MARKS AND SPENCER FINANCIAL SERVICES PLC

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Bank Deposits

For All, Deposit
Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Insurance Admin

For Commercial, Retail (Non-Investment Insurance), Non-investment insurance contracts
Stockbroking

For Retail (Non-Investment Insurance), Non-investment insurance contracts
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- · Investment activity in "rights to or interests in investments (security)" is limited to the investment types granted for this activity.
- · Investment activity in "rights to or interests in investments (contractually based)" is limited to investment types granted for this activity.
Consumer Loans
Loan Servicing

Senior staff personally approved by the FCA to hold their roles here.

Mehul Desai
IRN MXD00456
- [FCA CF] Manager of certification employee (13 Feb 2022 to 5 Apr 2022)
Melissa Meshkat
IRN MXM00311
- [PRA CF] Significant risk taker or Material risk taker (20 Jan 2021 to 9 Sep 2021)
Menasey Marc Moses
IRN MMM01022
- CF28 Systems and controls (22 Feb 2011 to 6 Mar 2016)
Michael David Roberts
IRN MXR00997
- SMF4 Chief Risk (since 28 May 2025)
Michael Dennis O'Neill
IRN MDO01017
- CF17 Significant Mgt (Other Business Operations) (1 Dec 2001 to 28 Feb 2006)
Michael Richard Martinkovic
IRN MXM00670
- SMF24 Chief Operations (since 10 Feb 2026)
Michael Robert Knowles
IRN MXK00547
- [FCA CF] Manager of certification employee (2 Aug 2022 to 17 Sep 2025)
Natasha Rani Banse
IRN NXB00608
- SMF24 Chief Operations (since 2 Oct 2025)
Neil Berry
IRN NXB33102
- [FCA CF] Manager of certification employee (25 Mar 2019 to 10 Feb 2022)
Neill David Radcliff
IRN NDR33101
- 16. Safeguarding and administering investments or holding client money
- 15. Operating a collective investment scheme or undertaking the activities of a trustee or depositary of a collective investment scheme
- [FCA CF] Functions requiring qualifications (since 3 Mar 2021)
- [FCA CF] Functions requiring qualifications (7 Apr 2017 to 12 Dec 2020)

Smaller firms operating under this firm's FCA authorisation.

Moto Plc (no longer appointed)
FRN 490586 · Appointed 23 Oct 2008 · Until 14 Apr 2009
Marks and Spencer P.L.C (no longer appointed)
FRN 151426 · Appointed 17 Jun 1926 · Until 28 May 2019

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.