Marks and Spencer Plc

Reference number: 1043209

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

The FCA register does not name a principal for this firm.

What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Marks and Spencer Plc (FRN 1043209) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details.
  • Example: if Marks and Spencer refers you to a financial adviser, the advice should come from the principal firm, not from Marks and Spencer itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • M&S Pet Insurance

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Marks and Spencer Plc FCA authorised?
Marks and Spencer Plc (FRN 1043209) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Marks and Spencer?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Marks and Spencer Plc (FRN 1043209) is listed as an introducer appointed representative, but the register does not show its principal firm here. Check the FCA register before sharing your details. Example: if Marks and Spencer refers you to a financial adviser, the advice should come from the principal firm, not from Marks and Spencer itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Marks and Spencer?
Protection works through the principal firm responsible for Marks and Spencer's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Marks and Spencer a scam or clone?
Marks and Spencer is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Marks and Spencer's Firm Reference Number (FRN)?
Marks and Spencer's FRN is 1043209. You can verify it on the FCA register.