Google Pay

Choice, simplicity and security

Add your M&S Credit Card to Google Pay™ on almost any Android device. You'll then be ready to pay simply and securely anywhere contactless payment is accepted.

For a list of compatible devices, visit the Google Support page (opens in a new tab).


First, download Google Pay from Google Play Store.


Add your M&S Bank Credit Cards to the Google Pay app following the instructions below.


Use Google Pay wherever you see the Google Pay and contactless logo in stores, or wherever you see the 'Buy with Google Pay' button in participating apps.

Set up Google Pay now(opens in a new window)

How to add a card


Step 1

Open the Google Pay app on your phone and tap the "+" sign.

Step 2

When you're prompted to add a credit or debit card, line up your M&S Credit Card within the frame on the screen to capture your card details or enter your card information manually.

Step 3

When prompted, please select how you would like to receive your one-time passcode which will be sent to you by SMS or email, then enter it into the appropriate field.

Step 4

Once it's verified, your M&S Credit Card is ready to use with Google Pay.


Step 1

On your watch, open the Google Pay app and tap Get Started.

Step 2

Set up screen lock (if you haven't already).

Step 3

On your phone, follow the instructions to add your M&S Credit Card. Note: This only adds a card to the Google Pay app on your watch (not your phone).

Step 4

Your card will show up on your watch.

Note: At this time, you can't add a discount, loyalty, or rewards card to Google Pay on your watch.

Paying in store

To pay with Google Pay in stores, 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.

The first card added to Google Pay will be the default card. Payments will be made from your default card but you can change this at any time by selecting the alternative card and tapping 'Set as default card'.

Paying in app or on websites

To pay with Google Pay in participating apps:

Select 'Buy with Google Pay' and your payment will be processed quickly and securely (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.

Android, Google Pay and the Google Pay logo are trademarks of Google LLC.

Using your M&S Credit Card with Google Pay is subject to terms and conditions.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.


What is Google Pay and which devices are compatible?

Google Pay is a fast, simple and secure way to pay on websites, in apps and in stores using a compatible Android device. Simply download Google Pay from the Google Play Store, add your M&S Credit Card, and you can transact using Google Pay.

For a list of compatible devices, visit the Google Support page (opens in a new tab).

Where can I use Google Pay and is it free to use?

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

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.

Is Google Pay secure?

Yes. When you pay using Google Pay, your actual credit 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.

What if my Android device is lost or stolen?

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.

You can also call us on 0345 600 5860 to suspend or remove your card from Google Pay.

Lines are open 8am-8pm 7 days a week.

What should I do if I lose my credit card?

If you lose your card, please contact us immediately 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 Google 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 Google Pay
  • Lines are open 8am-8pm, 7 days a week.

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 Google 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.

What happens when I replace or update my device?

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

Please ensure that you delete your card(s) details from any device before selling, exchanging, or disposing of them. You should also delete 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 Google Pay at any time. Select the card within the Google Pay app, and tap 'Remove card'. You can also go to Find My Device to remotely erase all the data in the device, including your card(s).

Do I need a data connection to use Google Pay?

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.

Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google logo are trademarks of Google LLC.

Using your M&S Bank Card with Google Pay is subject to terms and conditions.