Secure payment options for your credit card

There are a number of ways to make your monthly credit card repayments

Ways to pay by Direct Debit

What is a Direct Debit?

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.

Set up a Direct Debit

You can set up a Direct Debit through Internet Banking.

Sign in or Register

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 form (link opens in a new tab)

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.
  • 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.
Amend your Direct Debit form (link opens in a new tab)

How to change the payment date, payment amount or cancel your Direct Debit

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.

Alternative ways to pay

Via Internet Banking

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.

Via the M&S Banking App

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.

To download on the App Store, click here(opens in a new window) To download on Google Play, click here(opens in a new window)

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.

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 instructions.

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.

Visit HSBC or any High Street 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.

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.

Worried about making a payment?

If you're worried about making a payment, or have already fallen behind, we're here to help.

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Mobile banking

Stay in control with our mobile banking app.

The M&S Banking App allows you to manage your M&S Credit Card in the palm of your hand. View your credit card PIN, securely confirm online payments and receive notifications when you spend. Please note device restrictions apply.

Learn more about mobile banking