Apple Pay

Add your cards to Apple Pay from our app by following these steps:

1. Log on to the M&S Bank app.
2. Tap on 'Cards' at the top of the screen.
3. Swipe and select the card you want to set up for Apple Pay.
4. Select your card and then tap ‘Add to Apple Wallet’.

1. Open your Wallet app.
2. Select the plus sign in the upper right corner.
3. Select 'Add a different card’.
4. Tap your card on the back of your phone.
5. If that doesn't work, you can use your iPhone camera to scan the card information or type it in manually.

1. Open the Apple Watch app on your iPhone.
2. Select 'Wallet & Apple Pay’.
3. Select 'Add a new Credit or Debit Card’.
4. Enter your card's security code to add your credit or debit card that you use with your Apple ID.
5. To add a different card use your iPhone camera to scan the card information, or type it in manually.

1. Go into 'Settings’.
2. Select 'Wallet & Apple Pay’.
3. Select 'Add Credit or Debit Card’.
4. Enter your card's security code to add your card that you use with your Apple ID.
5. If that doesn't work, you can select 'Add a different card' and use your iPad camera to scan the card information, or type it in manually.

1. Go to System Preferences, and select 'Wallet & Apple Pay' and then 'Add Card’.
2. Enter your card’s security code to add your card that you use with your Apple ID.
3. If that doesn't work, you can select 'Add a different card', and use your camera to scan the card information.

Apple Pay is available on Mac models with Touch ID.

If your iPhone uses Face ID, double-click the side button and then glance at your iPhone to authenticate with Face ID.

Next, hold the top of your iPhone near the contactless reader until you see 'Done' and a tick on the display. If your iPhone uses Touch ID, you can hold your phone near the contactless reader with your finger on Touch ID until you see 'Done' and a tick on the display.

On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the contactless reader. A gentle tap will confirm that your payment information was sent.

To pay in apps on your iPhone and iPad, select Apple Pay when you checkout and complete the payment using Face ID or Touch ID.

To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. Or, if your Mac has Touch ID, select Apple Pay when you checkout in Safari and complete the payment using Touch ID on the Touch Bar.

First, you’ll need to set up Express Transit mode. Simply hold the top of your iPhone or the display of your Apple Watch near the contactless reader. There’s no need to use Face ID, Touch ID or double-click the side button of your Apple Watch or iPhone.

Alternatively, you can pay on TfL without setting up Express Transit mode by making a payment as you would do in store.

For a list of compatible devices, visit the Apple support page.

The first card you add to Wallet is your default card. To change your default card go to Settings, select Wallet & Apple Pay and tap Default Card. Select your chosen card to make it the default card for transactions.

You can also change a default card by selecting the card you would like to make the default, and dragging it to the front in Wallet. Tap "OK" when prompted.

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.

To enable Express Transit mode for your 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 card, then authenticate with Face ID, Touch ID, or your passcode.

Open Watch App on your iPhone and select the My Watch tab.
Tap Wallet & Apple Pay, then tap Express Transit Card.
Select your card, then authenticate with your Apple Watch passcode.

If you have a default card set for Apple Pay, Express Transit mode will automatically be enabled 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.

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 don’t have another device to mark your device as lost, Chat with us in the M&S Bank app or Online Banking and we can stop your card for you. Or, you can visit our contact us page for details on how to call us.

Report your M&S Credit Card as lost or stolen.

Report your M&S Currency Account card as lost or stolen.

If you replace or update your device, you will need to add your card(s) to your Apple Wallet again.

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.

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 haven’t received a new card, visit our contact us page for details on how to get in touch.

Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual 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 else what your device passcode is; and
• you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.

You do not need an internet connection in order to use Apple Pay.

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.

Please visit the Apple website or visit our contact us page for details on how to get in touch.