M&S Currency Account support

You can spend money in more than 50 currencies in 200 countries and regions worldwide, wherever VISA is accepted. If you don’t hold a balance in the currency you are spending in, or that currency can’t be held in your M&S Currency Account, it’s not a problem, we will take money from other currencies you have available, starting with your GBP balance. For more information please refer to your M&S Currency Account Terms and Conditions PDF.

You can hold balances in these currencies:

GBP - Great British Pounds

EUR - Euro

USD - US Dollar

AED - UAE Dirham

AUD - Australian Dollar

CAD - Canadian Dollar

CHF - Swiss Franc

CZK - Czech Koruna

DKK - Danish Krone

HKD - Hong Kong Dollar

JPY - Japanese Yen

NOK - Norwegian Krone

NZD - New Zealand Dollar

PLN - Polish Zloty

SEK - Swedish Krona

SGD - Singapore Dollar

THB - Thai Baht

ZAR - South African Rand

MXN - Mexican Peso

RON - Romanian Leu

HUF - Hungarian Forint

SAR - Saudi Riyal

You can withdraw currency you hold from an ATM using your debit card at no cost, provided the ATM serves the relevant currency. ATM charges may apply.

To withdraw to your bank account, you need to set up a linked account in the M&S Bank app, and this is the only account you can withdraw into. You can change your linked account, but the account must be a UK account in your name and in GBP. 

If you don't have sufficient funds in the transaction currency, we will take money from other currencies you have available. If you are spending in a currency you can’t hold a balance in, the payment will be made from your GBP balance. If there are insufficient funds in your GBP balance, we’ll convert money to GBP from your other currency balances until you have enough, starting with the balance of the highest value when converted to GBP, going down to the lowest. If there are not enough funds across all your currencies, the transaction may be declined. 

If you have converted your money into another currency, you can convert it back to GBP in the M&S Bank app. Select the M&S Currency Account and, from the ‘Overview’ page, tap ‘Convert’. 

No – your card will arrive pre-activated and ready to use. To activate contactless, you will need to make one chip and pin payment first.

Apple Pay

Apple Pay is a secure payment service that allows you to use your Apple device in place of your physical card. You can add your M&S Currency Account Card to your Apple Wallet via the M&S Bank app. Sign into your currency account, select ‘Card’ and you will see the option to ‘Add to Apple Wallet’.

Google Pay

Google Pay is a secure payment service that allows you to use your Google or Android device in place of your physical card. You can add your M&S Currency Account Card to Gpay via the M&S Bank app. Sign into your currency account, select ‘Card’ and you’ll see the option to ‘Add to Gpay’.

Samsung Pay

Samsung Pay is a secure payment service that allows you to use your Samsung device in place of your physical card. To add your M&S Currency Account Card to Samsung Pay:

1. Open the Samsung Pay app on your phone and tap ‘Menu’ in the top left corner, and then tap 'Cards’.
2. Tap 'Add card' (blue +card icon), and then tap 'Add credit/debit card’.
3. Scan your M&S Currency Account information or enter the details manually. You may be asked to verify your card with a one-time passcode which will be sent to you by SMS.

Yes, your eligible deposits with M&S Bank plc are protected by the Financial Services Compensation Scheme up to the relevant scheme limits. For further details please see the FSCS Information Sheet and Exclusions List PDF.

Please contact us through the M&S Bank app using the ‘Chat with us’ service and we’ll close your account for you. To close your account, your account balance must be zero.

If you think you’ve misplaced your card, you can temporarily freeze it in the M&S Currency Account section of the M&S Bank app. This will stop most point of sale, contactless and online payments, and you won’t be able to withdraw cash. There are some transactions that we might not be able to freeze, depending on how and when they are processed, so you’ll still be responsible for these. 

You can report your card lost or stolen in the M&S Bank app.

If you have an Apple or Google Wallet, you can use our app to add your card to your digital wallet before the physical one arrives in the post. Meaning, you can still use your digital card to make purchases and continue having access to your funds, even if this happens when you're abroad.

If you believe someone other than yourself has used, or tried to use, your M&S Currency Account card you can freeze your card in the M&S Currency Account section of the M&S Bank app and contact us using the ‘Chat with us’ service.

We will cancel your card, and your case will be handled by our Fraud Team who will do their best to help you in this stressful time.

If you don’t recognise a transaction or you recognise the transaction but want to dispute it, you can contact us through the M&S Bank app using the ‘Chat with us’ service. Before contacting us, please contact the retailer and give them the chance to resolve it. Check when the payment left your account, when the transaction was made and gather all the evidence you have to support your claim. 

You can update your contact details through the M&S Bank app. Tap the profile icon and update personal details. 

You can find your important documents in the M&S Bank app. Your Terms and Conditions, Privacy Notice and FSCS Information Sheet are available in your Profile tab. Your monthly statements can be found by tapping ‘More’ in the Overview page. 

You can find your PIN on the M&S Bank app, within the Card tab.