Lost & stolen cards

Has your card gone missing?

If your M&S Credit Card is lost or stolen, you’ll need to call us to report this as soon as possible.

Our lines are open 24 hours a day, 7 days a week. Call us straightaway.

How to cancel a lost or stolen card

You can cancel a lost or stolen card, and order a new one, by calling us or by using the Chat option on Internet Banking and the M&S Banking app.

Have a chat with us online

A quick and easy way to get in touch with us for any account specific queries is to use our ‘Chat with us’ service. This can be found within our Mobile Banking App or within Internet Banking.

Mobile banking app icon

Mobile banking app

You can 'Chat with us' on the M&S Banking App. Here's how:

  1. Sign in to the M&S Banking App
  2. Select 'More' section
  3. Then 'Chat with us'
For those more straightforward banking queries, MOBI, our virtual assistant, will try to help you first. If MOBI can't answer your query, MOBI will seamlessly transfer your chat to an agent, who'll get back to you with an answer as soon as they can.

Chat box icon

Internet Banking

You can ‘Chat with us’ within Internet Banking. Here’s how:

  1. Sign into Internet Banking
  2. Click the ‘Chat’ icon from selected pages when signed in
For those more straightforward banking queries, MOBI, our virtual assistant, will try to help you first. If MOBI can't answer your query, MOBI will seamlessly transfer your chat to an agent, who'll get back to you with an answer as soon as they can.

Call us

0800 085 2411

dial +44 1244 879080 from abroad

Will cancelling my card affect my Direct Debits?

Any payments set up from your credit card will be affected once the card is cancelled.

Can I still access my Internet Banking or Mobile Banking app if my card is cancelled?

Yes, you can still access all of your digital banking without any interruption. Your sign-in details for these services are not linked to your credit card.

What should I do if I find my card after reporting it lost or stolen?

Once your card is cancelled, it can’t be reactivated and your new card will already be on the way. You should destroy the card and dispose of it securely.

What happens if money was stolen from my credit card?

If you believe someone other than yourself has used, or tried to use, your credit card, call the number at the top of this page as soon as possible.
We will cancel your card and then your case will be handled by our experienced Fraud Team who will do their best to help you in this stressful time.