Secure payment options for your credit card

You can set up a Direct Debit through Internet Banking.

A step by step guide to setting up a Direct Debit in Internet Banking:

1. Once you've logged into Internet Banking, select ‘M&S Credit Card' in the ‘My Accounts' section.
2. Under ‘Make a Payment' select ‘Set up a Direct Debit'.
3. Here you can choose to set up the Direct Debit online or you can download a paper mandate to return by post.
4. If you choose to set up the Direct Debit online, all you need to do is complete the online form and click 'Submit'.

Alternatively, if you’re not yet set up for Internet Banking you can complete our Direct Debit form.

Set up Direct Debit

Please ensure you continue to make payments until you receive confirmation of your first Direct Debit date. A fixed repayment will be for an amount set by you and can be changed at any time. If the minimum payment due is greater than this amount, we will claim the full minimum payment. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.

Credit card customers now have the option to change their Direct Debit from full to minimum payment or from a minimum to a full payment.

To request this, you can fill out our online form. You will receive an automated email to confirm it’s been received and we will be in touch as soon as possible to let you know when your Direct Debit has been changed.

Important information

• If you have a Direct Debit set up to take your minimum payment, the payment shown on your statement (or your remaining balance if lower) will be collected automatically. If you’ve made any extra payments, we’ll assume you want to pay more than the minimum amount (or any fixed amount you’ve asked us to collect) and won’t adjust your Direct Debit.
• If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.
• If you’ve previously had a Direct Debit set up but it has not claimed for over a year, you will need to set up a new Direct Debit instead.

You can use our 'Chat with us' service in the Mobile Banking app or when signed into your Internet Banking to change the payment date, or amount or to cancel your Direct Debit should you wish to. Alternatively if you aren't registered with Internet Banking you can call us on 0345 900 0900 8am - 8pm, Monday to Sunday and one of the team will be able to help you.

A Direct Debit is a convenient and easy way to pay your M&S Credit Card account. You just tell us how much you’d like to pay towards you credit card each month and we will automatically take the funds from your nominated account providing there are sufficient funds available. We have three Direct Debit options to choose from to keep you in control of your account:

Minimum Payments – A great option if you want to avoid a missed or late payment. You can make additional payments on top of your Direct Debit if you choose to.

Fixed Payments – Choosing a fixed amount gives you the control of knowing how much you'll pay every month and the amount can be changed at any time. If the minimum payment due is greater than the fixed amount you’ve set, we will claim the minimum payment.

Full Payments – For customers who want to clear their balance every month, a full payment will clear your balance each month.

All Direct Debits are covered by the Direct Debit Guarantee so if there's ever a problem we’ll put it right. You are also able to amend or cancel your Direct Debit at any time. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.

There may be times where activity on your account impacts the amount your Direct Debit will claim. Use this section to understand when this might happen.

When does my Direct Debit start claiming?

A Direct Debit starts claiming 6 calendar days before it is due. These 6 days are made up by counting back from (and including) the payment due date which is shown on your statement. For example, if your Direct Debit was due on the 6th of the month, it would begin claiming on the 1st.

Will additional payments (such as a payment via bank transfer) change the amount my Direct Debit will claim?

We will only adjust your Direct Debit from the amount shown on your statement if you have cleared the balance in full or claiming the amount would put the account into credit (providing the payment has cleared on to your account before your Direct Debit starts claiming).

Will refunds class as a payment to my account?

No, refunds only impact the amount your Direct Debit will claim if they have cleared on to your account before your Direct Debit starts claiming and would take your account into credit. Otherwise, we will still claim the amount on your last statement.

If you've not downloaded the M&S Banking App you'll first need to register for Internet Banking to set up your digital username and password. You'll then use this information to sign in to the app.

If you're ready to start using the M&S Banking App, head to the App store or Google Play store to download. Please note device restrictions apply.

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To make a payment to your credit card in the app you need to:

• Sign into the M&S Banking App using your face, fingerprint or Digital M&S PASS PIN.
• Select 'Send money' at the bottom of the screen, then select 'Pay your M&S Credit Card’.
• Follow the instructions to make a payment to your M&S Credit Card.

Your payment will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within the M&S Banking App.

If you’re not already registered you’ll need to register for Internet Banking.

To make a payment to your credit card you need to:

• Sign in and select 'Make a Payment' from the left-hand menu.
• Follow the instructions to make a payment to your M&S Credit Card.

Your payment will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Recent Transactions within Internet Banking.

To make a payment via our automated telephone banking service:

• Call 0345 900 0900 and select option 1.
• Then select option 1 again.
• Enter your 16-digit M&S Credit Card number and date of birth.
• Then select 'make a payment' and follow the instructions.

Your payment will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within Internet Banking or the M&S Banking App.

You should quote our bank details, sort code 40-12-57 and account number 59001115, with your full 16-digit M&S Credit Card number as a reference.

Your payment will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within Internet Banking or the M&S Banking App.

You can also set up a fixed payment or standing order with your bank.

Simply fill out the Credit Card payment slip and take it with your statement to any bank displaying the MasterCard or Visa sign. Please also take a form of photographic ID with you.

Your statement will be stamped as proof of payment but please note that a charge may be made if payment is not made at a branch of your own bank.

It'll take up to 5 working days for your payment to reach your account.

Find your nearest HSBC branch

Please note, if you are a third party paying on behalf of an M&S Bank customer, please contact us on 0345 900 0900, to discuss a suitable alternative method of payment. Lines are open 8am – 8pm.

You can pay by debit card at till points in most M&S Stores. Simply present your card and statement along with your payment.

It takes up to 2 working days, not including the day the payment is made to reach your account.

If you're paying with cash, you can only pay up to £1,000 in a calendar month.