Google Pay

Just wake the device and hold it against the contactless payment terminal. You may need to unlock your device for some transactions for example, when transactions exceed £100. Once you have unlocked your device, hold the back of it close to the payment reader for a few seconds. When you’re done paying, a blue check mark will appear on the screen.

To pay with Google Pay using your smartwatch, open the Google Pay app and hold your smartwatch over the contactless payment reader until you hear a sound or feel vibration from your watch.

To pay in apps select 'Buy with Google Pay' when prompted by participating apps (additional verification may be required).

The default Google Pay card will be displayed on the initial purchase. You can choose a different card which will then become the main card for payments within that app; this could be different from the default card used for in store transactions.

To pay while online, select 'Buy with Google Pay' when prompted by participating apps (additional verification may be required). The default Google Pay card will be displayed on the initial purchase. You can choose a different card to pay with at the point of purchase.

Just wake the device and hold it against the contactless payment terminal.

For a list of compatible devices, visit the Google Support page (opens in a new tab).

Google Pay can be used in stores wherever you see these symbols:

You can make in-app and web purchases on your compatible device wherever you see the Google Pay button at checkout.

A £100 limit will apply to transactions in some cases; ask the retailer for further details.

M&S Bank won't charge you for using Google Pay, but charges from your mobile network provider may apply depending on your data plan.

Yes. When you pay using Google Pay, your actual credit card number is not shared with your payment. Instead, a virtual account number is used to represent your account information, so your card details stay safe, and your information stays secure.

While we hope that never happens, it's a good idea to enable the remote location access for your device in advance, in case you need to search for it.

To enable the remote location access, so that you can remotely lock your device or do a factory reset, take these steps:

1. Sign in to your Google Account on your device in order to use Find My Device to turn on the location access from your device's apps menu, open 'Google Settings' and touch 'Security'.
2. Under Find My Device, move the switches next to 'Remotely locate this device' and 'Allow remote lock and factory reset' to the 'On' position
3. If your phone is lost or stolen, you can find, lock, or erase it using Find My Device . Since Google Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

If you do not have another device to use to mark your device as lost, you need to contact us via ‘Chat with Us’ in the M&S Banking App or Internet Banking so we can stop your card.

Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860 to suspend your card.

If you lose your card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking. Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860.

• your card will be stopped
• when we issue you with a new card, you won't need to register it with Google Pay again as your new card details will be updated automatically
• once your new card arrives, you should activate it as soon as possible to continue using Google Pay

You can remove a card from Google Pay at any time, please visit the Google Pay Support page.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

If your card is nearing expiry, a replacement card is automatically issued and the new card details are automatically updated in Google Pay, once you have activated your new card. If the expiry month has passed and you have not received a new card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking. Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860.

If you replace or update your device, you will need to add your card(s) to Google Pay again.

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.

You will need a mobile data or Wi-Fi connection to add a card to Google Pay. In most circumstances you do not need a mobile data or Wi-Fi connection to transact using Google Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.