Before you apply
Other important information
Please read the following information:
Change in circumstances
If you foresee any changes in your circumstances that may increase your outgoings (for example an increase in living costs such as a rent or mortgage payment increase) or any changes to your situation that may reduce or have a negative effect on your monthly disposable income (for example a change in your employment situation or number of hours you work or if you anticipate a reduction in income from imminent retirement, maternity / paternity or extended leave) please either apply by phone on 0800 756 7777 or call into your local M&S Bank branch.
Where this is a joint account
- Please be aware that both of you together and individually are responsible for any money owed to us on the joint account.
- Points earned from use of both of our debit and credit cards (if applicable) under the M&S Loyalty Scheme will be provided in a single quarterly account mailing addressed to both applicants and sent to the first applicant's address. (Subject to a minimum of 200 points being earned.)
- Statements will be sent to the first applicant’s address unless you request that statements are addressed to you individually.
- All other correspondence, including loyalty mailings, will be addressed to both applicants and sent to the first applicant’s address.
M&S Loyalty Scheme is operated by Marks and Spencer plc and subject to terms and conditions.
Checking your details
When we check your details with a credit reference agency, a search/enquiry is registered to say that you've applied for credit today. As part of our checks, we link your name with individuals associated with you financially, and any previous names you've provided.
We'll also check your details with a fraud prevention agency to prevent fraud and money laundering. If you've provided false or inaccurate information (and fraud is identified) we'll pass your details to fraud prevention agencies. If you want, we can explain how your information held by fraud and other credit reference agencies may be used.
M&S Credit Cardholders
If you already hold an M&S Credit Card, you and each primary credit card holder for a joint account, will automatically start to earn triple points on your M&S spend as soon as your account is opened.
Once you submit your application
If you apply online, we'll let you know if you have been accepted and send you the paperwork to sign and return to us. We will then be able to open your account.
By clicking 'Start my application' you agree that you have read all the information in the 'Before you apply section' above.