Which devices are
compatible with Apple Pay?
How do I set my M&S Credit Card as the default card for
The first card you add to Wallet is your default card. To change your default card go to Settings,
Wallet & Apple Pay and tap Default Card. Select your M&S Credit Card to make it the default
You can also change a default card by selecting the card you would like to make the default, and
it to the front in Wallet. Tap "OK" when prompted.
Where can I use Apple Pay and is it free to use?
Apple Pay can be used in stores wherever you see these symbols:
It can also be used for travel with Transport for London on buses and the London Underground.
You can make in-app and web purchases on your compatible iPhone, iPad or Mac wherever you see the
Apple Pay button at checkout.
A £100 limit will apply to transactions in some cases; ask the retailer for further details.
M&S Bank won't charge you for using Apple Pay, but charges from your mobile network provider may
apply depending on your data plan.
How do I enable Express Transit Mode?
To enable Express Transit mode for your M&S Credit Card in Apple Wallet, follow these simple steps:
Open the Settings app on your iPhone.
Tap Wallet & Apple Pay, then tap Express Transit Card.
Select your M&S Credit Card, then authenticate with Face ID, Touch ID, or your passcode.
For Apple Watch
Open Watch App on your iPhone and select the My Watch tab.
Tap Wallet & Apple Pay, then tap Express Transit Card.
Select your M&S Credit Card, then authenticate with your Apple Watch passcode.
If you have a default M&S Credit Card set for Apple Pay, Express Transit mode will automatically be
for this card. If you wish to disable this feature please follow the steps above.
Please note: You can only have one Express Transit card per Apple device.
You can find out more by visiting the Apple Transit knowledge page (opens in a
What should I do if I lose my iPhone, iPad, Apple Watch or
If your iPhone, iPad, Apple Watch or Mac is lost or stolen, you can go to icloud.com/find or use the Find My iPhone app to mark your device as lost so that Apple Pay is disabled on the device. For more information please view the Apple website.
If you do not have another device to use to mark your device as lost, you need to contact us via ‘Chat with Us’ in the M&S Banking App or Internet Banking so we can stop your card.
Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860 to suspend your card.
What should I do if I lose my credit card?
If you lose your card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking. Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860.
- your card will be stopped
- when we issue you with a new card, you won’t need to register it with Apple Pay again as
your new card details will be updated automatically
- once your new card arrives, you should activate it as soon as possible to continue using
What happens when I replace or update my device?
How do I remove a card from my device?
You can remove a card from Apple Pay at any time. Go to Settings, then 'Wallet & Apple Pay', tap the card that you want to remove, then select 'Remove Card'.
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.
What happens when my credit card expires?
If your card is nearing expiry, a replacement card is automatically issued and the new card details are automatically updated in Apple Pay, once you have activated your new card. If the expiry month has passed and you have not received a new card, please contact us immediately via ‘Chat with Us’ in the M&S Banking App or Internet Banking. Alternatively, you can call us between 8am-8pm 7 days a week on 0345 600 5860.
Is Apple Pay secure?
Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual M&S Credit Card number when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual credit card number is never shared by Apple with merchants or transmitted with payment.
To protect your card:
- you must not choose a device passcode that can be easily guessed by anyone else or tell anyone
your device passcode is; and
- you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.
Do I need a data connection to use Apple Pay?
You do not need an internet connection in order to use Apple Pay.
I have been prompted for a one-time passcode. What is this and why is it required?
For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.
What should I do if I still have questions or need
assistance with Apple Pay?
Guide to putting your M&S Credit
Card in your
e-wallet (PDF Document)(opens in a new window)
M&S Bank Privacy Notice (PDF Document)(opens in a new window)
Digital Wallet credit card terms (PDF Document)(opens in a new window)
You may require Adobe PDF reader to view these documents. Download Adobe Reader
Apple, the Apple logo, Apple Pay, Apple Watch, iPhone, iPad, Mac, Safari, Face ID, Touch ID and iSight are trademarks of Apple Inc., registered in the US and other countries and regions. iOS is a trademark of Cisco and used by Apple under licence.