Cookie policy

We use cookies on our website to make it safer and easier for you to use. When you visit our site, cookies let you sign in to Internet Banking and apply for products and services online.


What are cookies?

Cookies are small text files that are sent to and stored on your computer whenever you visit a website. The same thing happens if you use a smartphone or any other web-enabled device to access the internet. Cookies are useful because they allow a website to recognise your device – and remember what you did when you visited the site in the past.

We use cookies for a variety of reasons – to help you find your way around our website more easily, to protect your personal details and to carry out essential security checks. Some of the things cookies are used for can also be achieved with similar technologies. This policy refers to ‘cookies’ throughout, but it also includes these other technologies.

You can read more about cookies at

How cookies make our website safer and easier to use

Cookies are used to protect your privacy when you’re using our website. They let you complete online application forms securely and if you leave your device signed in to Internet Banking, cookies will prompt you to end your secure session – or automatically end the session for you.

Cookies also enable us to tailor the content of our website to suit your interests. For example, instead of displaying promotional messages about products you already have, they let us show you our other products and services you may be interested in.

Finally, we use ‘analytics’ cookies to help us improve our website for people who visit it regularly. They help us work out what you like and don’t like about the site – and how we can make things better for you.

When we include links to other websites, please bear in mind they’ll have their own privacy and cookie policies that govern the use of any information you submit. We recommend you read these policies as we are not responsible or liable for other companies’ privacy practices.

How we work with trusted third parties

The third parties we trust to supply products and services to our customers include our insurance policy providers and partners who provide important online services such as Ask Hannah, our automated virtual assistant.

The only time we’ll use cookies to share your information with a third party is when you’ve given us your consent – for example, if you’re applying for home insurance we’ll ask for your consent to send your details to our trusted home insurance provider.

How you can manage cookies

The browsers on most computers, smartphones and other web-enabled devices are usually set up to accept cookies. If you want to change your cookie preferences for our website, or any other websites, you can do this through your browser settings. Your browser’s Help function will tell you how to do this.

Before you change your cookie preferences, remember that cookies are often used to enable and improve certain functions on our website. So if you choose to switch off (or disable) certain cookies, it’s likely to affect how our website works. For example, if your browser is set to disable ‘session’ cookies, you won’t be able to sign in to Internet Banking.

For more information on how to disable cookies, visit

How we protect your privacy

To find out more about how we protect your privacy when you’re using our website, read our privacy notice.

Do cookies mean I could get cold calls or junk mail?

We never use the information collected by cookies to contact you by post, email or phone. We may use cookies to show you our products and services that we think you might be interested in.

Can cookies pass on my personal details to other companies?

The only time we may share personal details collected by cookies is when you’ve given us your consent. For example, if you apply for a home insurance policy, we’ll ask for your consent to pass your details to our trusted home insurance provider.

Do cookies compromise my security when I’m signed in to Internet Banking?

The cookies we use are completely safe and secure. In fact, many of them are used to provide important security features such as protecting your personal details and your accounts.

Can cookies give other people access to my computer’s hard drive?

The cookies we use can’t go into your computer, smartphone or any other web-enabled device and obtain information about you or your family, or read any material kept on your hard drive.

If I use a public computer, will someone be able to get my details from the cookies?

Our cookies can’t be used by anyone else who has access to the computer you’ve used – so they can’t find out anything about you, other than the fact that you’ve visited our website. If you use a public computer to sign in to Internet Banking, our cookies won’t compromise the security of your personal details and accounts in any way.

You can read more about cookies at

Which cookies are used in the M&S Bank website?

Essential cookies

Cookie/variable name What is the purpose of this cookie?
SourceCode It provides us with feedback on the advertising displayed on our site and helps us show you offers which are of interest to you.
JSESSIONID, ASP.NET_SessionId, CUSTOMER_SESSION_ID, SessionId, .olss*, .ASPXAUTH, __AjaxRequestVerificationToken*, __RequestVerificationToken*, AFFINITY_ID, MaskNumber, BrandCode, TestCookieEnabled, js, PG_VALUES, Features, MI_*, LogonTokenId, SessionTokenId, PD-ID, PD-S-SESSION-ID They check that no one else is accessing the same web session from a different browser, such as potential fraudsters.
NSC_* A load balancing cookie that helps us to ensure the site loads quickly.

Essential (analytics)

Cookie/variable name What is the purpose of this cookie?
WT_FPC, aam_uuid, s_, ACOOKIE, ADRUM, s_cmrun, s_ev13, s_nr, s_ppv It provides us with information about how people use our website, helping us design our website in a way that's easy for our customers to use.
_utma, _utmb, _utmc, _utmt,_utmv, _utmz, _ga, _gat, _gali, _gid, dc_gtm These cookies, provided by Google Analytics, help us accurately estimate the number of visitors to our website. Having this information helps us ensure our website is always available with no unwanted delays.
utag_main This cookie is used by our site to manage tags on each of our pages.
AMCV_###@AdobeOrg This cookie is used by Adobe Analytics to identify a unique visitor.
s_cc This cookie is used by Adobe Analytics. It is set and read by the JavaScript code to determine if cookies are enabled (simply set to "True").
s_sq This cookie is used by Adobe Analytics. It is set and read by the JavaScript code when the ActivityMap functionality is enabled; it contains information about the previous link on this site that was clicked on by the user.
s_vi This cookie is used by Adobe Analytics to identify a unique visitor.
s_fid This cookie is used by Adobe Analytics to identify a unique visitor if the standard s_vi cookie is unavailable due to third-party cookie restrictions.
TEAL This cookie is used to store session-based information on which product ids have been viewed on this site.
tms-ref This cookie is used to store the session referrer.

Essential (functional)

Cookie/variable name What is the purpose of this cookie?
AMCVS_, AMCV_, mbox, mboxPC, mboxSession, demdex, dextp, DPM, DST, DSTJS This cookie enables us to deliver tests intended to improve your experience on the website.
_qc This cookie helps us understand what sort of customer is interested in particular pages on the site, helping us make our site more relevant.
tms_ref, utag_main These cookies enable us to manage which tags load on the website.
ContentKey ContentKey helps us remember the pages and information you viewed when you last visited the site. On your return these cookies help us direct you quickly to the pages that are of interest to you.
IntsureCountryCode This cookie helps the website remember your information and settings for future visits.
PHPSESSID A session cookie used in some of our calculators.
IDE, AA003, ATN, ACID, APID, ASCID, bkdc, bku, C2, everest_g_v2, everest_session_v2, id, svid, test_cookie These cookies help us to understand how customers have navigated to our site, and help us understand what types of marketing activity are the most effective.
ToDoListDisplayed A session-based cookie that lets us know you’ve seen your ‘to do’ list once you’ve logged into your home or travel insurance online account and to stop it being shown again.
LPCKEY, LPSessionID, LPVID, LPSID, LPVisitorID, lpTestCookie*, *-SKEY, *-VID, HumanClickKEY, HumanClickSiteContainerID_*, lpFPCtest, Allows us to offer live chat in car and pet Insurance secure forms.
_culture This is used to confirm your language and country setting.