A simple step by step guide to get you up and running using our app
Chat with us and get support with your account no matter the time of day or night
View your credit card PIN in an instant without having to wait for it to arrive in the post
Get a spend notification every time your card is used to make a payment
In order to get set up on our app:
If you don't have a compatible device, you can still use digital banking through our Internet Banking service. Simply register for Internet Banking and when prompted, order a 'physical M&S PASS‘. This is a small calculator-like device, sent to you in the post, that generates the security codes you'll need to access Internet Banking. This can take up to 7 working days to arrive and you will not be able to access Internet Banking until you have received it.
If you need help getting back online because you’ve forgotten your sign in details, you can use our handy Mobile and Internet Banking access help tool.
On your mobile or tablet, go to the App Store if using an Apple device or Google Play if using an Android device and search for 'M&S Banking App'. Please note device restrictions apply.
If you’re currently using the device you wish to download the app on to view this page, you can tap on the buttons on the right to take you directly to your relevant app store.
Once you’ve found the app on the app store, tap 'Get' or 'Install' to download the app.
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When you first open the app, you’ll be invited to manage cookies.
Cookies help us to keep your account safe and help us improve our service. You can choose which cookies to accept or you can accept all cookies.
You’ll next be asked to read our Privacy Notice and accept our Terms and Conditions and information about the use of cookies.
In order to use our app, you’ll need to confirm that you accept the Digital Terms and Conditions, and acknowledge the Privacy Notice and Important Information.
At this stage, you need to make sure you are registered for Internet Banking and know your sign in details. Not sure of your sign in details?
You’ll next need to choose how to verify your identity so you’ll also need either your physical M&S PASS or your mobile phone to hand. Update your mobile phone number >
You will need to enter the same username that you created and used to sign in to Internet Banking.
If you already have a physical M&S PASS you can choose to use this to generate a 6-digit security code instead of inputting your password and receiving a one time activation code via text message.
Need to verify your identity using your mobile phone? >
Once the app is set up, your physical M&S PASS will no longer work.
You now need to create your memorable 6-digit Digital M&S PASS PIN. You will use this PIN to verify your identity every time you sign in to the app until you enable fingerprint or facial recognition.
You’ll be asked to re-enter your Digital M&S PASS PIN to make sure you have set up and remember the correct number.
Now you’re set up, you’ll be asked to sign in using the Digital M&S PASS PIN you just created or you can enable fingerprint or facial recognition.
Your M&S Banking App contains the ‘Digital M&S PASS’. It can generate unique, single use security codes that you’ll need to enter when you sign in to Internet Banking in the future. If you previously used a physical M&S PASS, a small calculator-like device, when you register for the app your Digital M&S PASS will replace the physical M&S PASS so it will no longer work.
You will need to enter the same username and password that you created and used to sign in to Internet Banking.
By clicking ‘Send activation code’ we’ll send a one-time activation code to your mobile phone. On the next screen you’ll be prompted to enter the code on the app.
You now need to create your memorable 6-digit Digital M&S PASS PIN. You’ll use this PIN to verify your identity every time you sign in to the app until you enable biometric authentication.
You’ll be asked to re-enter your Digital M&S PASS PIN to make sure you have set up and remember the correct number.
Now you’re set up, you’ll be asked to sign in using the Digital M&S PASS PIN you just created or you can enable biometric authentication.
There’s a few things you can do to get the best from our app. Biometric authentication allows you to use your face or fingerprint to sign in to your account instead of using your Digital M&S PASS PIN. It helps keep your account secure as biometric authentication uses physical details that are unique to you and can’t be used by anyone else but you.
We also recommend that you set up spend notifications so you can be notified every time your card is used to make a purchase. They help you to keep track of your spending and means you can spot any transactions that you haven’t made quickly and easily.
You’ll be prompted to enable biometric authentication when you first sign into the app, but if you missed this the first time don’t worry as you can set it up at any time.
You can turn off biometric authentication at any time if you need to. Need more information about biometric authentication? >
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.
Just ask our Virtual Assistant to see if it can help.
