Balance transfers

How to make a balance transfer

When you've received your M&S Credit Card in the post, you can apply for a balance transfer by calling 0345 900 0900. Or, if you are registered for Internet Banking, you can transfer your balance online.

What you'll need

  • The amount(s) you wish to transfer
  • The details of your existing card provider(s) including the type of card and the card number
  • Your M&S Credit Card

What to expect

We will contact your existing card provider to initiate the balance transfer. Once the transfer is complete, the balance will appear on your next statement and your Internet Banking account. A fee applies to each amount transferred (minimum £5), this will be added to your credit card balance. You should continue to make payments to your existing provider until the transfer is complete.

Call 0345 900 0900 or visit your local M&S Bank branch for more information.

Calls are recorded.