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The fixed rate savings option will be available from October 1st and offers guaranteed interest rates over one, two and three year periods.

According to M&S Money, the offer preplaces the previous issue, which offered rates of up to 3.00% AER gross.

For the option inside a cash Isa, customers could be entitled to a 2.50% interest rate if they invest for a one year term, 3.00% for a two year term and 4.00% for a three year term.

Meanwhile, for those saving outside an Isa, the AER net rate is 2.00% for one year, 2.40% for two and 4.00% for a three year term.

M&S Money chief executive Colin Kersley commented: "We are delighted to be able to offer savers guaranteed rates up to 4% in good time for the new ISA limits for those aged 50 or over.

"Our customers trust M&S with their money and I anticipate a lot of interest in the new rates".

M&S Money is also currently offering a credit card with 0% interest on all shopping for ten months from the date on which the account is opened.

Credit card holders are also charged 0% on balance transfers for six months with a 2% transfer fee, with a minimum of £5.

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Credit Cards	0% Balance Transfers	0% Purchases	APR Representative (Variable)
	Tesco ClubCard Credit Card
	9 months	15 months	16.9%
** 16.9% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.9% p.a(variable). **
	Virgin Credit Card
	20 months	3 months	16.8%
** 16.8% APR representative (variable). Based on a credit limit of 1200 and purchase rate 16.8% p.a(variable). **
	Barclaycard Platinum with BT
	22 months	3 months	17.5%
** 17.5% APR representative (variable). Based on a credit limit of 1200 and purchase rate 17.5% p.a(variable). **
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