Stay in control with the M&S Banking App

Our app gives you the freedom to manage your M&S Credit Card and Everyday Savings Account wherever and whenever you like

Download our app

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)


View your statements, balances and transactions with ease


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

Transferring a balance in our app

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:

  1. Sign in to the M&S Banking App and select your credit card
  2. Click on ‘Balance transfers’ to see what offers are available to you
  3. Follow the instructions on the screen for a new request

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.

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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.

Why use our app?

We're continuously evolving our app to bring you the latest in exciting new features and security.

View your credit card pin

Forgotten your credit card PIN? No problem, you can view it in the app

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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

Spend Notifications

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

Securely confirm online payments

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

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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

More features of the M&S Banking App

  • View PIN – retrieve your credit card PIN in an instant, a handy feature in case you ever forget it.
  • Mobile statements - view and download digital versions of credit card statements.
  • Transfer a balance - easily transfer a credit or store card balance and view your outstanding balance and new offer.
  • Change your contact details - update your contact details directly in the app.
  • Activate card - activate your M&S Credit Card – it’s easy, secure, and you can do it on the move!
  • Spend notifications - be notified when you spend using your M&S Credit Card, so you can stay on top of things.
  • Chat with us – use our secure 'Chat with us' feature to get in touch with account specific queries, at a time convenient to you.
  • Confirm online payments - if you're a regular user of our banking app, you can confirm your payments within the app.
  • Make payments to your credit card - pay your M&S Credit Card using a debit card while you're on the go.
  • Mobile app on multiple devices - access the full app on up to 3 devices, adding or removing them at any time.
  • Biometrics - a simple and secure way to sign in to our mobile banking app.
  • Support - access 'Chat with us' and our most common queries whenever you need help or support.

Getting started

Before you set up the M&S Banking App, firstly please ensure that:

  1. You're registered for Internet Banking as you'll need to use your Internet Banking username and password. If you've forgotten these details, please visit our ‛Forgotten details’ page.
  2. You have a compatible mobile phone or tablet.
  3. We have a mobile phone number for you as we'll need to send you an activation code. Alternatively, you can use a physical M&S PASS to generate the activation code.

Do you have a physical M&S PASS?

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

Supported Devices

Want to find out which devices the M&S Banking App is compatible with?

Download our app today

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


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Important documents

Digital banking terms(PDF document)(opens in a new window)

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Your security and protection

Our Digital M&S PASS

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

Sign in with your fingerprint or face

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

Can I have the mobile app on more than one mobile device?

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.

How do I turn on spend notifications for my M&S Credit Card within the app?

You can turn on your spend notifications for your M&S Credit Card by following the below steps:

  1. Sign in to the M&S Banking App. Not yet an app user?
  2. On the Balances screen, select the bell icon in the top right hand corner
  3. Select 'Turn on Notifications'
  4. Select 'OK' to allow notifications. Once the tick appears, you will then be taken to your notification centre

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.

View more FAQs

Have a question about our Digital Banking services?

Just ask our Virtual Assistant to see if it can help

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*Correct as of 06/04/23