Our app gives you the freedom to manage your M&S Credit Card and Everyday Savings Account wherever and whenever you like
The M&S Banking App allows you to manage your M&S Credit Card or Everyday Savings Account in the palm of your hand.
Access your account with your fingerprint or face (compatible device required)
Securely approve online credit card payments if you're a regular user
Have access to our 'Chat with us' feature to discuss account specific queries
If you need help with how to request a balance transfer in the app, just watch our handy video to see how or follow the steps below:
You’ll need to have downloaded the M&S Banking App to transfer a balance via the app.
Visit our balance transfer page to find out more.
Subject to application and status. Terms and conditions apply.
How to make a balance transfer
(Using the M&S Banking App)
You can transfer credit or store card balances to your M&S Credit Card
using the M&S Banking App.
Available on compatible devices for main cardholders.
Sign into the app with face, fingerprint or your Digital M&S PASS PIN.
Make sure you’ve already activated your M&S Credit Card
- you can do this by going to ‘Activate card’ in ‘Manage cards’ and following the prompts.
You’ll also need the credit or store card provider name, card number and amount you wish to transfer.
Only non M&S Credit Cards are eligible for a balance transfer. We can’t process balance transfers for all cards. Balance transfers are subject to status, affordability and terms and conditions.
Go to your credit card account on the Balances screen.
And select ‘Balance Transfer’
A fee applies to each amount transferred, this will be added to your credit card balance. You should continue to make payments to your existing provider until the transfer is complete.
If this is your first balance transfer on your M&S Credit Card,
Before you get to your offer screen you will see a set of balance transfer information screens.
And if you have an offer, you will see it here.
If there are no balance transfer offers shown, this means there are currently no offers available for your card.
If you have made balance transfers before on your card,
you will see a dashboard showing you these.
In this case, simply select ‘Request another BT’ to see if you have an offer.
To take advantage of your offer, select ‘Request balance transfer’.
To continue, scroll down to read and accept the terms and conditions.
Then, select the credit or store card provider name you wish to transfer a balance from.
Enter the credit or store card account details and amount you wish to transfer
and check all the information is correct before confirming.
Your balance transfer request will not be visible straightaway in the app. Don’t worry, your request is being processed and there is no need to submit again.
Now use face, fingerprint or your Digital M&S PASS PIN to confirm it’s you.
That’s it! Your balance transfer request has been submitted.
If we approve your request, payment will reach your other provider by the end of the next working day. If we receive your request after 15.30 or on a non-working day, we’ll treat it as if it was received on the next working day.
Security matters
Thank you for watching.
Available on compatible devices for main cardholders.
We're continuously evolving our app to bring you the latest in exciting new features and security.
Forgotten your credit card PIN? No problem, you can view it in the app
View your credit card PIN using the M&S Banking App
You can now use the M&S Banking App to view your PIN.
It’s a very handy feature in case you ever forget your PIN.
Simply sign into the app,
And on the account screen select ‘M&S Credit Card’.
Next, tap ‘Manage cards’
And then ‘View card PIN’.
You’ll then be asked to confirm it’s you,
Using your fingerprint, face or M&S PASS PIN
And your PIN will appear for a limited amount of time.
It’s that simple, never forget your PIN again.
Security matters. Thank you for watching.
Available on compatible devices for main cardholders
Receive notifications when you spend using your M&S Credit Card – so you can stay on top of things. Find out how to turn on spend notifications
The next time you're shopping online, you might be asked to confirm it's you when you check out and pay. If you're a regular app user you'll be asked to use the app to verify your payments
M&S Bank
Confirm online payments using the M&S Banking App
When you’re shopping online you may be asked to confirm it’s you when you check-out and pay.
You can do this using the M&S Banking App.
When paying for your order online, enter your M&S Credit Card details as usual.
Before you can complete the payment, a verification screen will pop up, with instructions on how you can confirm your identity using the M&S Banking App.
First, sign in to the M&S Banking App.
(If you are using a mobile you will need to come out of the checkout screen to open our app.)
A ‘Confirm this payment’ screen will appear*. If the details are correct, tap ‘Confirm’*.
(*If a confirm payment screen does not appear, go to ‘Send money’ and press confirm online payment).
Then verify it’s you by using your face, fingerprint or Digital PASS PIN.
Once you see the ‘Almost there’ screen return to the retailer’s checkout and follow the instructions to complete your order.
You’ll now see a confirmation of your order on the checkout screen.
It’s as simple as that to confirm online payments.
M&S Bank, Security matters
Thank you for watching.
Available on compatible devices for main cardholders
Before you set up the M&S Banking App, firstly please ensure that:
Once the app is set up, your physical M&S PASS will no longer work as the
app comes with a
Digital M&S PASS which will replace it.
Find out more about the Digital M&S
PASS and how to use it to sign
in
to Internet Banking
Want to find out which devices the M&S Banking App is compatible with?
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.
Digital banking terms(PDF document)(opens in a new window)
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Our Digital M&S PASS gives you added protection when you're using mobile banking. It also allows you to generate unique security codes, which only you have access to, to sign in to Internet Banking and to verify certain changes and transactions. This is known as two factor authentication, and adds an extra layer of security when you use our digital banking services.
Find out more
about the M&S PASS
Find out more
about
staying safe
when banking online
Your fingerprint and face are excellent security devices; no two are exactly the same and you've always got them with you! Your device will need to be enabled with face or fingerprint recognition (if available), and be compatible with the M&S Banking App. We recommend that you use the most up-to-date operating system.
Frequently asked questions
Yes, you can download and use the M&S Banking App on up to three different
mobile
devices.
If you already use the M&S Banking App on three
devices, you must remove a
device before setting up a new one. Please sign in to the app on one of
your existing devices, tap the profile icon in the top right corner of the 'Balances' screen, select 'Security' and
then 'Manage devices' and remove one of your devices.
You can turn on your spend notifications for your M&S Credit Card by following the below steps:
Spend notifications are only available for credit card accounts where spend notifications have been activated. Repayments and refunds to a credit card account will not generate a notification.
If your additional cardholder makes a spend on their M&S Credit Card, the spend notification will be received on the main cardholder’s device, which the M&S Banking App is set up on.
Have a question about our Digital Banking services?
Just ask our Virtual Assistant to see if it can help
Apple, iPhone, iPod touch, iPad, iPad mini, iPad Air, iPad Pro and the Apple logo are trademarks of Apple Inc., registered in the US and other countries and regions. App Store is a service mark of Apple Inc. iOS is a trademark of Cisco and used by Apple under licence. Android, Google Play and the Google Play logo are trademarks of Google LLC.
*Correct as of 06/04/23
