Secure payment options for your credit card

• Helps you avoid missed payments and late fees.
• No need to remember dates as it will automatically pay your M&S Credit Card before your due date.
• Choose what you pay: minimum balance, full balance or a fixed amount. We will automatically take the funds from your nominated account providing there are sufficient funds available. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.
• All Direct Debits are covered by the Direct Debit Guarantee so if there's ever a problem, we'll put it right.
• At any time, you can amend your Direct Debit by completing our form or you can contact us to cancel your Direct Debit.

• Useful for extra payments to reduce interest. 
• Pay any amount (up to your current balance) anytime.
• Make a payment in less than three minutes.
• Secure authorisation in your bank app (no card details shared) and uses your face or fingerprint to approve the payment.
• Payments will usually be applied to your available credit within 2 hours, subject to standard checks. Your M&S Credit Card balance will be updated the next working day.

How to pay your credit card using the M&S Banking App.

Pay by bank

Pay by bank is a simple, fast and secure way to pay your M&S Credit Card.

And its available in the M&S Banking App.

Available for main cardholders on compatible devices.

First, sign in to our app and select ‘Cards’ at the top of the screen.

Choose your card then select ‘Make a payment’.

Then, choose 'Pay by bank’.

Tell us how much you would like to pay,

then search or select the bank you want to make the payment from.

Please consider any payments (including Direct Debits) you've made since your last statement. These will usually take at least 24 hours to reflect on your account.

You'll then see a payment summary so you can check all the details are correct.

Once happy select 'Accept and continue’.

You'll be taken to your bank's online service, where you'll sign in and choose the account you'd like to pay from.

Follow the on screen instructions to confirm.

And that's it, your payment has been requested!

Payments will usually be applied to your available credit within 2 hours, subject to standard checks. Your M&S Credit Card balance will be updated the next working day.

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You can send money via bank transfer to your M&S Credit Card by setting up a new payee with your existing current account, paying in person at your local bank branch or banking hub or by setting up a fixed payment or standing order with your bank.

To make a payment from your bank to your M&S Credit Card, our bank details are:

• Sort code - 40-12-57
• Account number - 59001115
• Payment reference - use your full 16-digit M&S Credit Card number

If your bank returns multiple account names for this sort code and account number, you can pick any of them and your payment will still reach your account as long you use your full 16-digit M&S Credit Card number as a reference.

• You’ll need to use your 16-digit card number as the payment reference so we can match it to your M&S Credit Card.
• Payment is usually received within 2 hours and can take up to 2 days to appear in your transactions.
• You can pay any amount (up to your current balance), anytime.
• Works from most bank accounts.

To make a payment via our automated telephone banking service:

1. Have your 16-digit M&S Credit Card number and date of birth, ready.
2. Call 0345 900 0900 and select the credit card option.
3. Follow the instructions to make a payment.

• It takes up to 4 days for the payment to clear and any interest charged during this time will still be payable.
• You'll need to authorise the payment using an SMS one time passcode so you will need your mobile phone to hand.
• Each bank can set their own limits on how much can be sent via bank transfer. If you’re wanting to send a large amount via faster payment, the best way would be to check with your bank and check what limits they have in place.
• Available anytime.