Frequently asked questions
Can I set my own contactless transaction limit?
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.
How does contactless work?
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!
How close does my card need to be to the reader?
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
How will I know I have a contactless card?
You'll know you have a contactless card if you can see the contactless 'ripple' symbol on the front
of your card.
Will a contactless transaction be quicker?
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
When will I get my contactless credit card?
If you are an existing customer, you'll receive your contactless card when your card is next renewed
or replaced (subject to eligibility).
If you'd like a contactless card straight away, simply call us on 0345 900 0900 to request one.
Lines are open 8am-8pm. Calls are recorded.
Is there a limit on the number of contactless transactions I can do?
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.
Can I use my contactless card abroad?
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.