The app and online experience is absolutely useless. I came to M&S after my 0% Purchases ending on another card and I’m already considering opening another card elsewhere to avoid the app. Does not show you pending transactions, payments into the account takes days to show, to make a payment into the card you need to have your debit card on-hand, the whole app is just a terrible user experience. They could learn a thing or two from Nationwide/Amex about how to build a functional app!! They posted me a statement this month with a cheque on the bottom to send back for payment… archaic!!