Contactless payments

Make payments with your card or phone without having to enter your PIN while still earning Rewards points.

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Contactless payments

How to make a contactless payment

Check – Make sure your card and the payment terminal have the contactless symbol and that the payment isn’t over £100.
Contact – When you’re ready to pay, tap your card on the payment terminal.
Confirm – Wait for your payment to be approved.

You can also use your phone or smartwatch to make contactless payments using your digital wallet. You’ll still earn Rewards points on payments made using contactless.

Tried to make a contactless payment but it’s not working?

You’ll need to activate your card when you first receive it and make a chip and PIN transaction before using the contactless feature. We may ask you to enter your PIN from time to time so we know it's you using the card. Forgotten your PIN? You can view your PIN in the M&S Bank app.

Want to make payments over £100?

By adding your card to your digital wallet, you can make payments without the need for your card or your PIN.

Keep track of your spending with spend notifications

Get notified each time you spend so you can stay in control.

Learn more Learn more about spend notifications

Frequently asked questions

The £100 contactless limit on your M&S Credit Card cannot be changed. When attempting a contactless transaction, you may occasionally be asked to key in your PIN. This is for security purposes, enabling us to confirm that the card is being used by the cardholder.

Simply hold your contactless card up to the retailer's contactless terminal and wait for a beep to show that the card has been read successfully. The terminal can read the card thanks to a chip and radio frequency antenna embedded in the card. The card details are transmitted wirelessly, meaning you won't need to insert your card, enter a PIN code or sign anything. It's as easy as that!

You should hold your contactless card within a few centimetres of the contactless terminal. If you keep multiple cards in your wallet or purse, only one card will be read by the contactless reader. The surest way to pay on the card you intend is to remove and hold it against the contactless reader.

You'll know you have a contactless card if you can see the contactless 'ripple' symbol on the front of your card.

Yes, it will be much quicker than a normal card transaction or cash payment. There's no need to insert the card into the terminal and enter a PIN, and you'll never have to fumble around for the right change.

No, there's no limit on the number of transactions you can complete using contactless. You may occasionally be asked to key in your PIN for security reasons to enable us to confirm that the card is being used by the cardholder.

Yes, you can use your contactless card abroad just like in the UK. Contactless transactions are accepted where the contactless symbol is displayed.

The contactless transaction limit of £100 may vary depending on local limits (may be more or less).

Please note that all non-sterling transactions are subject to the Exchange Rate Adjustment (ERA), that applies to M&S Bank Credit Cards.

Contactless payments

How to make a contactless payment

Tried to make a contactless payment but it’s not working?

Want to make payments over £100?

Keep track of your spending with spend notifications

Frequently asked questions

Can I set my own contactless transaction limit?

How does contactless work?

How close does my card need to be to the reader?

How will I know I have a contactless card?

Will a contactless transaction be quicker?

Is there a limit on the number of contactless transactions I can do?

Can I use my contactless card abroad?

Digital banking