Pros and Cons of Buying a BMW 520d Car | Benefits & Drawbacks

The Pros And Cons Of The BMW 520d Car

Many UK buyers want a premium saloon who have strong performance, keeps fuel use low and a badge that still means something. The BMW 5 Series has long been the benchmark for executive cars, especially its 520d model, which is a natural focal point because it blends strong torque, reasonable running costs and refined road manners. The BMW 520d engine is the heart of the vehicle that gives strong mid-range pull and reliable long-haul economy when serviced on time. If you are searching for used stock or parts, you will see plenty of listings selling BMW engines for sale. With the passage of time, BMW updated its diesel engines and moved away from the troublesome rear-mounted timing chains used in older N47 engines. The latest B47 engine uses the front-mounted chain, mild hybrid assistance, and produces about 197 hp with 400Nm of torque. Understanding the car’s strengths and shortcomings will help you decide whether it meets your needs. In this guide, we explain the real-world pros and cons of buying a BMW 520d, what to expect from servicing and common fixes, and how the model’s diesel tech affects long-term ownership.

Pros of buying a BMW 520d

• Fuel efficiency and range: The 520d is very economical for a large saloon. Official combined consumption is around 5.6 l/100 km, and real-world motorway driving can be close to that figure. The large tank and diesel efficiency mean you can travel over 600 miles (1,000 km) between fill-ups. This long range is ideal if you regularly cover motorway distances.
• Strong performance for its class: With 197 hp and 400 Nm of torque, the latest 520d is far from sluggish. It reaches 62 mph in 7.3 seconds and offers enough torque for easy overtaking. The mild hybrid system also improves low rpm response and makes engine restarts almost imperceptible.
• Refinement and comfort: Road testers praise how well BMW isolates the cabin from diesel noise. Even though the four-cylinder unit lacks the smoothness of larger engines, the G60 5 Series “feels like a mini 7 Series” because of its calm ride and high-quality materials. The new model has grown in length and wheelbase, giving more interior space and rear wheel steering helps agility.
• Technology and interior: BMW’s latest iDrive 8.5 system pairs 12.3 and 14.9 inch screens. Shortcut buttons have improved usability. Premium options such as electric comfort seats and Veganza faux leather upholstery add to the luxury feel.
• Improved engine reliability: Earlier 520d models used the N47 engine, which suffered from rear-mounted timing chain failures. The latest B47 motor relocated the chain to the front, eliminating the biggest weakness. This engine is quiet, easy to service and delivers around 400 Nm of torque—ideal for daily drivers. Good servicing can see B47 engines covering more than 200,000 miles.

Cons of buying a BMW 520d

• Steering feel and driving engagement: The latest 520d focuses on comfort rather than sportiness. The steering in “Personal” mode felt too light and disconnected, requiring the Sport setting to restore weight and confidence. Even then, the car seems to prefer relaxed cruising instead of hard driving.
• Limited high-speed acceleration: The car pulls strongly at low speeds, but acceleration tails off over 100 mph. While the 520d can reach 233 km/h, it needs a long stretch of autobahn. Drivers seeking stronger high-speed performance may prefer BMW’s six-cylinder diesels.
• Diesel clatter when cold: Despite improved refinement, there is still no hiding the fact that a diesel engine powers the 520d. When cold or idling, some vibration and noise are noticeable.
• Premium purchase and servicing costs: Being a luxury brand, BMW parts and labour are expensive. The engine is complex and uses a turbocharger, common rail injection and numerous sensors. While the B47 engine is reliable, owners must budget for maintenance. Typical UK engine replacement costs range between £2,500 and £4,500 for premium models, and even a reconditioned engine can cost £1,200–£2,500. These figures demonstrate why regular oil changes and quality fuel are essential.
• Potential engine issues in older models: Early N47-powered 520d cars (built before 2014) can suffer timing chain stretch, EGR valve clogging and turbocharger wear. Timing chain stretch causes poor performance, misfires and even catastrophic engine failure. BMW issued recalls for EGR cooler leaks, which could lead to melting intake manifolds and increased fire risk. Later B47 engines resolved most of these problems, but intake swirl flaps and diesel particulate filters still need occasional attention.

Conclusion

The BMW 520d blends impressive fuel efficiency, respectable performance and refined comfort. Its latest B47 engine addresses the timing chain issues of earlier models and, with proper maintenance, it can surpass 200,000 miles. The car’s long range and smooth, mild hybrid system make it ideal for UK drivers who cover many motorway miles. Potential downsides include light steering, diesel noise at idle and high repair costs if neglected. By understanding these pros and cons and budgeting for maintenance, you can decide whether the BMW 520d is the right executive car for you.

Frequently asked questions

1. Is the BMW 520d a reliable car?

The BMW 520d’s reliability is considered mixed, with some models being reliable while others have common issues.

2. What is the most common problem with the BMW 5 Series?

The most common issues reported are rear air suspension failure, drivetrain fault messages and overheating due to thermostat or water pump problems. A broken bonnet release cable is another frequent complaint. These faults are not unique to the 520d but affect the wider 5 Series range.

3. What are the common BMW 520d engine problems?

Early 520d cars with the N47 engine may suffer timing chain stretch and EGR cooler leaks. Timing chains can stretch due to poor lubrication or high RPM operation, causing misfires and engine damage. BMW issued recalls to replace leaking EGR coolers because coolant could mix with soot and damage the intake manifold. Other issues include swirl flap failure (plastic flaps in the intake manifold can break off), clogged diesel particulate filters and turbocharger wear. The B47 engine solved most timing chain issues, but regular servicing and high-quality oil are still essential.

4. How much does it cost to replace a BMW 520d engine?

Replacing a diesel engine in a premium car is expensive. Labour makes up roughly half of the total, so shopping around reputable engine suppliers can reduce costs.

5. How much does it cost to rebuild a BMW 520d engine?

An engine rebuild involves dismantling the original unit, machining components and fitting new parts. UK rebuild costs range from £1,200 to £3,500 on average.

6. Is a BMW 520d expensive to maintain?

Maintenance costs are higher than those for mainstream cars because BMW parts and labour are premium.

7. How long will a BMW 520d engine last?

Properly maintained BMW diesel engines, including the B47 used in the 520d, can last more than 200,000 miles. Larger six-cylinder units can exceed 300,000 miles. The key is regular servicing, using quality oil and not ignoring warning lights.

8. Is the BMW 520d a good engine?

The B47 engine of the BMW 520d receives praise for its efficiency, torque and improved reliability. An industry blog calls it an “efficient everyday hero” that moved the timing chain to the front and eliminated earlier problems. It delivers strong torque and has enough power for most drivers while being quiet and easy to service.

9. How much does a new BMW engine cost?

Brand new OEM engines are costly. Typical new engine prices start from £2,500 for small units and can exceed £10,000+ for larger engines. Labour costs push the total higher.

10. Does BMW 320d and 520d have the same engine?

Yes. Both the 320d (3 Series) and the 520d (5 Series) use the same 2.0 litre four cylinder diesel. For example, the B47D20A engine is found in the F30 320d and F10 520d. Later models use the B47C20B, which meets Euro 6d emissions standards and offers similar torque. Differences between 320d and 520d mainly lie in the vehicle weight, gearbox ratios and tuning, not the base engine.

11. BMW 520d vs Audi A6: which is best in the UK?

Choosing between these executive saloons depends on priorities. The BMW 520d excels in driving dynamics, fuel efficiency and updated technology. It has a high reliability score (89.1% for the 5 Series estate) and a new mild hybrid diesel that delivers strong torque and long range. However, its steering lacks feedback, and some may dislike the styling. The Audi A6 offers a quieter petrol and diesel range, a refined interior and arguably better ride comfort, but reliability ratings are slightly lower. Buyers who prioritise driver engagement and fuel economy may prefer the 520d, while those seeking understated luxury may lean towards the A6. Test-driving both models is the best way to decide.