Ways to pay your M&S Credit Card

From 7 December 2020, we will no longer be accepting payments over the phone via our Customer Services team. There are still plenty of options below for you to choose to pay your bill.

There are a number of ways you can pay your M&S Credit Card. We recommend using one of the following methods;

  • Direct Debit
  • M&S Internet Banking
  • M&S Banking App
  • Payment from your bank

Watch our short video to find out more.

For other ways to pay, please see below.

Video script

How to make an M&S Credit Card account payment

There are a number of ways you can pay your M&S Credit Card account.

We recommend using one of the following methods…

  • Direct Debit
  • M&S Internet Banking
  • The M&S Banking App
  • Payment directly from your own bank

Direct Debit

Setting up a Direct Debit is a convenient and easy way to pay your credit card account automatically each month.

You can set it up within Internet Banking or by visiting our website and completing the Direct Debit form available there.

Please continue to pay in your usual way until you see your first payment appear on your statement.

M&S Internet Banking

You can make a payment using a debit card through Internet Banking.

Simply sign in as normal and select 'Make a Payment' from the left-hand menu.

Then follow the instructions to enter your payment amount and debit card details.

If you haven't yet registered for Internet Banking, it's worth considering as it's an easy and secure way to manage your credit card account.

The M&S Banking App

The M&S Banking App is perfect for banking on the go, giving you quick and secure access to your M&S Credit Card account via fingerprint or face recognition if you have that enabled.

As well as being able to pay your M&S Credit Card with a debit card, you can keep track of balances and recent transactions,

and view your statements. 

Available on compatible devices

Payment directly from your own bank

You can make payments directly from your own bank using their internet or telephone banking service.

Just quote our sort code and account number, together with your 16-digit M&S Credit Card number or account number as a reference.

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

Thank you for watching.

Ways to pay - more information

Set up your Direct Debit

Setting up a Direct Debit is a convenient and easy way to pay your M&S Credit Card account automatically each month. You can make the minimum payment, a fixed amount or the full statement balance - just choose the option which suits you best.

You can set up a Direct Debit through Internet Banking, using the instructions below, or complete our Direct Debit form.

Direct Debit set up form (link opens in a new tab)

A step by step guide to setting up a Direct Debit:

  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'.

If you have not yet registered for Internet Banking, please click on the button below.

Sign in | Register

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.

Amend your Direct Debit

Credit card customers now have the option to change their Direct Debit from full to minimum 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.
Amend your Direct Debit form (link opens in a new tab)

Using our secure automated telephone banking service

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 instruction

Using your bank's online or automated telephone service

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

Your payment will reach your account within approximately two hours.

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

Send a cheque

If you're able to leave the house over the coming weeks you can still send us a cheque but be aware that there could be delays in receiving or processing the cheque.

Please send your cheque together with your payment slip, making your cheque payable to M&S Bank and include your account number on the reverse. Please send your payment in a stamp addressed envelope to M&S Bank, PO Box 77, Harlow, CM20 9BX.

Please don't send post-dated cheques as we can't accept them. It'll take up to 6 working days to appear on your account.

Visit HSBC or any High Street bank

Please only visit a bank branch if it is essential to do so and if you do, please practice social distancing. 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. To help support you at peak times, we have updated our opening times, please only call if it is urgent, so we can help those most in need. Please view our contact us page for our current opening times.

In an M&S Store

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.