Contactless payments

M&S Bank Debit Cards will work at contactless readers throughout the UK, allowing you to pay for low value items with a simple touch.

It’s fast – There is no need to enter your PIN or sign for everyday purchases under £30. Simply touch the reader with your contactless card to pay in seconds.

It’s easy – No need to find cash and no hanging around at the till for change or receipts unless you need one.

It’s secure – Contactless payments are safe and secure. You have the same protection against fraudulent transactions as with the existing chip and PIN system. For extra security you may occasionally be asked to enter your PIN.

How to use it

Step 1: look

Look for the contactless symbol when paying for items up to the value of £30.

Step 2: touch

Touch your contactless card against the reader.

Step 3: processing

A beep or green light shows your payment is being processed. For extra security you may occasionally be asked to enter your pin or sign.

Step 4: approved

Your payment is approved.

Where to use it

Simply look for the contactless logo which can be found in many popular places, including M&S.

Important documents

M&S Banking terms and conditions

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FAQs

How does contactless work?

Simply hold your contactless Visa debit card up to the retailer's contactless terminal and wait for a beep to show that the card has been read successfully. The terminal can read the card thanks to a chip and radio frequency antenna embedded in the card. The card details are transmitted wirelessly, meaning you won't need to insert your card, enter a PIN code or sign anything. It's as easy as that!

How will I know I have a contactless card? 

You'll know you have a contactless card if you can see the contactless 'ripple' symbol on the front of your Visa debit card.

Will a contactless transaction be quicker?

Yes, it will be much quicker than a normal card transaction or cash payment. There's no need to insert the card into the terminal and enter a PIN, and you'll never have to fumble around for the right change.