Google Pay

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

1. Log on to the M&S Bank app.
2. Select 'Cards' at the top of the screen.
3. Swipe and select the card you want to set up for Google Pay.
4. Select 'Add to Google Pay' and then follow the on-screen instructions to complete.

1. Download Google Wallet.
2. Open the Google Wallet app on your phone and select the plus sign.
3. When prompted, line up your card in the frame to capture your card details or enter your card information manually.
4. Verify your card with a one-time passcode. This will be sent to you by text message, email or in-app.
5. Once it's verified, your card is ready to use with Google Pay.

There is no limit to the number of cards you can add to your device. The same card can be added on up to 8 devices.

1. On your watch, open the Google Wallet app.
2. Select ’Get started’.
3. Set up screen lock (if you haven't already).
4. On your phone, follow the instructions to add a card. This will only add a card to the Google Wallet app on your watch.
5. Your card will show up on your watch

Just wake the device and hold it against the contactless payment terminal. You may need to unlock your device for some transactions for example, when transactions exceed £100. Once you have unlocked your device, hold the back of it close to the payment reader for a few seconds. When you’re done paying, a blue check mark will appear on the screen.

To pay with Google Pay using your smartwatch, open the Google Pay app and hold your smartwatch over the contactless payment reader until you hear a sound or feel vibration from your watch.

To pay in apps select 'Buy with Google Pay' when prompted by participating apps (additional verification may be required).

The default Google Pay card will be displayed on the initial purchase. You can choose a different card which will then become the main card for payments within that app; this could be different from the default card used for in store transactions.

To pay while online, select 'Buy with Google Pay' when prompted by participating apps (additional verification may be required). The default Google Pay card will be displayed on the initial purchase. You can choose a different card to pay with at the point of purchase.

Just wake the device and hold it against the contactless payment terminal.

For a list of compatible devices, visit the Google Support page.

Google Pay can be used in stores wherever you see these symbols:

You can make in-app and web purchases on your compatible device wherever you see the Google 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 Google Pay, but charges from your mobile network provider may apply depending on your data plan.

Yes. When you pay using Google Pay, your actual card number is not shared with your payment. Instead, a virtual account number is used to represent your account information, so your card details stay safe, and your information stays secure.

While we hope that never happens, it's a good idea to enable the remote location access for your device in advance, in case you need to search for it.

To enable the remote location access, so that you can remotely lock your device or do a factory reset, take these steps:

1. Sign in to your Google Account on your device in order to use Find My Device to turn on the location access from your device's apps menu, open 'Google Settings' and touch 'Security'.
2. Under Find My Device, move the switches next to 'Remotely locate this device' and 'Allow remote lock and factory reset' to the 'On' position
3. If your phone is lost or stolen, you can find, lock, or erase it using Find My Device . Since Google Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

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.

 You can remove a card from Google Pay at any time, please visit the Google Pay Support page.

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 Google 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.

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

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.

You will need a mobile data or Wi-Fi connection to add a card to Google Pay. In most circumstances you do not need a mobile data or Wi-Fi connection to transact using Google Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.