Step 1
Open the Wallet app, then tap the plus sign in the upper-right corner.
On Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 Plus and later, you can add up to 12 cards on a device. On earlier models, you can add up to eight cards on a device. The same card can be added on up to nine devices. The first card added to Apple Pay will be the default card. Payments will be made from this card unless another card is selected. You can change your default card at any time by going into 'Settings', and then 'Wallet & Apple Pay'
For a list of compatible devices, visit the Apple support page (opens in a new tab).
iPhone
Open the Wallet app, then tap the plus sign in the upper-right corner.
From there, simply enter your card's security code to add your credit card that you use with your Apple ID.
To add a different card, use your iSight camera to enter the card information, or type in manually.
Apple Watch
Open the Apple Watch app on your iPhoneFootnote 1* and select "Wallet & Apple Pay".
Then tap "Add a new Credit or Debit Card".
From there, simply enter your card's security code to add your credit card that you use with your Apple ID.
To add a different card, use your iSight camera to enter the card information, or type it in manually.
Footnote 1*[1]when paired with iPhone 5 or later model.
iPad
Apple Pay is available with iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.
Go into Settings, tap "Wallet & Apple Pay", and tap "Add Credit or Debit Card".
From there, simply enter your card's security code to add your credit card that you use with your Apple ID.
To add a different card, use your iSight camera to enter the card information, or type it in manually.
Mac with Touch ID
Go to System Preferences, and select "Wallet & Apple Pay" and then "Add Card."
Enter your card’s security code to add your credit card that you use with your Apple ID.
To add a different card, use your camera to scan the card information.
Apple Pay is available on Mac models with Touch ID.
Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features. So you can pay in an easy, secure, and private way.
Payments will come from your default card, which can be changed at any time by going into Settings, and then Wallet & Apple Pay.
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 and on websites in Safari on your iPhone and iPad, select Apple Pay at 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 at checkout in Safari and complete the payment using Touch ID on the Touch Bar.
Apple Pay is an easy, safe way to pay in stores, in apps, and on the web with your iPhone, Apple Watch, iPad, and Mac. You can quickly check out using the devices you carry every day.
For a list of compatible devices, visit the Apple support page (opens in a new tab).
M&S Credit Cards are eligible for Apple Pay, subject to status.
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 M&S Credit 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.
Express Transit mode allows you to use Apple Pay on your iPhone or Apple Watch to touch in and touch out for pay as you go journeys on TfL. There’s no need to use Face ID, Touch ID or double-click the side button of your Apple Watch. 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.
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
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 (opens in a new tab).
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 suspend or permanently remove your M&S Credit Card from that device. This will happen even if your device is offline and not connected to a mobile or Wi-Fi network.
Apple will also be able to remove your card(s) from a device.
You can also call us on 0345 600 5860 to suspend or remove your card from Apple Pay.
Lines are open 8am-8pm 7 days a week.
If you lose your card, please contact us immediately on 0345 600 5860.
Lines are open 8am-8pm, 7 days a week.
If you replace or update your device, you will need to add your card(s) to Wallet again.
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.
You can remove a card from Apple Pay at any time. Go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then select Remove Card.
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, you will need to contact our Lost & Stolen team.
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:
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 contact us on 0345 600 5860.
Lines are open 8am-8pm, 7 days a week.
Apple, the Apple logo, Apple Pay, Apple Watch, iPhone, iPad, Mac, Safari, Touch ID and iSight are trademarks of Apple Inc., registered in the US and other countries and regions.
Guide to putting your M&S Bank card in your e-wallet (PDF Document)(opens in a new window)
M&S Bank Privacy Notice (PDF Document)(opens in a new window)
Mobile pay credit card terms (PDF Document)(opens in a new window)
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