Cash ISA application

If you’re new to the M&S Cash ISA, it only takes a few minutes to apply online. Before you start, please look at the What you should know before you apply section below.

Start your application

Want to top up your M&S Cash ISA?

If you have an existing M&S Cash ISA (including the Flexi Cash ISA option or Tracker Cash ISA option), you can use this top-up form to top up any remaining Cash ISA allowance into the M&S Advantage Cash ISA option or M&S Fixed Rate Savings option. Please note that the minimum you can top up into the M&S Advantage Cash ISA option online is £100. If you would like to top up less than £100 please call us on 0808 002 2222.

If you wish to top up your existing M&S Flexi Cash ISA option or M&S Tracker Cash ISA option, please call us on 0808 002 2222 as it is not possible to top up into these options online. (Lines are normally open 8am-8pm Monday to Friday and 9am-5pm Saturday. Calls may be recorded).

Top up your existing ISA

What you should know before you apply

Am I eligible?

To apply for a cash ISA you have to be aged 16 or above and be a UK resident, or if not so resident, be a Crown employee serving overseas, or be married to, or in a civil partnership with, such a person. The M&S Cash ISA is not available to residents of the Channel Islands and the Isle of Man.

How much can I save?

You can save up to £5,940 in a cash ISA during the current tax year (ends 5 April 2015).

What you'll be asked for

  • Your residential address including post code (we are unable to accept c/o or PO Box addresses). You'll also need to provide your previous residential address if you've been at your current address for less than 3 years.
  • Your National Insurance number
  • Your email address
  • Your bank or building society details for future income or withdrawal payments. We will write to you to request suitable verification of your bank details, at a later stage, in order for us to make payments directly to your bank or building society account.
  • Your debit card details - make sure you've got enough cleared funds in your account to make a deposit. Your debit card should be registered to your residential address.

To comply with regulatory obligations we need to collect certain personal information from you, including your employment and income details and how you will fund your account. We will conduct various checks on applications and transactions.

Your name and address will be checked with a credit reference agency to verify your identity and for crime prevention measures, using information from the Voters Roll and other public sources. If we're unable to confirm your details we will write to you to request verification prior to accepting and completing your application.

We will check to confirm the card being used is yours by using a database maintained by the UK banks (Address Verification System). If we are unable to confirm the card is yours we will write to you requesting additional documentation to verify the transaction and outline the action we will take if we do not receive the documentation.

What you should read

Before you start, you need to read (and agree to) our M&S Cash ISA Terms and Conditions and the Fixed Rate Savings Issue 21 (Cash ISA) Terms and Conditions. You should also read the M&S Cash ISA Summary Box and M&S Cash ISA Key Features.

Monthly payments and transfers

Want to set up a monthly payment into your M&S Cash ISA? Or transfer your savings from a cash ISA with another provider? You need to download and complete an application form or transfer form, then send it to us by post.

Lines are open Monday to Friday - 8am to 8pm, Saturday - 9am to 5pm. Calls may be recorded.

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