Getting started

Easy steps to get started

Make sure you are registered for Internet Banking as you’ll need your username, password and the answer to your security questions to log in to the app.

If you are unsure of your username, password or security answer then please see the FAQs for instructions on how to reset these online.

  • Step 1

    Open the app and when prompted enter your username

    Phone Image
  • Step 2

    Enter characters from your password and answer a security question

    Phone Image
  • You're up and running

    You can now see your

    Phone Image


I’ve forgotten my password, how can I change it?

If you’ve forgotten your password, sign in to Internet Banking, select ‘Change my sign in details’, then ‘Manage password’ from the left hand menu then follow the on screen instructions and verify using your M&S Pass.

What is my password?

You need to setup a password on Internet Banking if you haven’t already done so. You may be automatically prompted to set-up your password at sign in. Otherwise once you have signed in select ‘Change my sign in details’ then ‘Manage password’ from the left hand menu and follow the on screen instructions.

What is my username?

This is your Internet Banking username. If you have forgotten this go to Internet Banking and click ‘Forgotten username’.

I’ve forgotten my security answer, how can I change it?

If you have forgotten this go to Internet Banking, enter your username and sign in, then click on ‘Forgotten your security answer’ and follow the on screen instructions.

Which devices are supported?

The M&S Banking App is compatible with:

  • Apple iPhone, iPad, iPad Mini, iPod Touch devices running operating system version 9.0 and higher
  • Android mobile and tablet devices running operating system version 5.0 and higher

Which accounts can I view with the app?

You can view balances on any accounts you hold with M&S Bank (except mortgages). You can also see transactions on your M&S current account, M&S Credit Card and if you hold them, your Monthly Saver and Everyday Savings Account. Finally you can make payments and transfers from your M&S current account to existing payees.

Will I be charged for using the M&S Banking App?

We won’t charge customers for using the app, however you may be charged by your network provider as the app requires an internet connection. Check your payment plan with your network provider.

Can I use the same services as Internet Banking on this app?

No, the M&S Banking App allows you to check the balances on any accounts you hold with M&S Bank (except mortgages). You can also see the last 90 transactions on your current account and transactions on your credit card and certain savings accounts.

Is the app secure?

The M&S Banking App is password protected for your security. You can manage your password and security question via Internet Banking.

What should I do if my mobile device is lost or stolen?

Call us as soon as possible on 0345 900 0900† if your phone is lost or stolen and we can temporarily suspend your account access. You may be responsible for unauthorised payments made from your accounts if you haven't kept your mobile or tablet, and your security details, safe.

Please also visit for advice on what to do if your phone is lost or stolen.

† Text-phone 0345 300 1815 or if calling from abroad +44 (0) 1244 879080. Calls may be recorded for security, training and monitoring purposes.

How can I pay someone via the app?

To pay a recipient you've already set up via Internet Banking, tap 'move money' and select the correct payee.

Can I create a new payment to a person or organisation using the App?

No, currently you can only make payments to any people or organisations you've sent money to within the last 13 months from your online account. To add a new payee you should log in to Internet Banking.

Can I log in to the M&S Banking App using touch or face recognition?

Yes you can. For Apple devices please read our guide on setting up Touch ID and Face ID for Apple devices.

For Android devices, check your device is compatible and read our guide on setting up Android fingerprint.

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc, registered in the U.S and other countries.

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

Back to M&S Banking App