Received a text?

Check if a message is genuine and what to do next

Messages M&S Bank might send you

If you're wondering whether a text you have received from M&S Bank is genuine, you're right to be suspicious. Criminals have become very sophisticated in enticing you to click on links or call phone numbers that belong to them. They pretend to be an organisation you trust, like your bank, utility company, internet provider or even the police or HMRC.

One-Time Passcode

Your one-time passcode is 962863 for a payment of GBP 1430.6 to HMRC on card ending 6247. It's valid for 10 mins for this payment only-ref 7690

When you make an online transaction, we might send you a One-Time Passcode (OTP) as an additional security check.

NEVER share this code, even with bank staff or police. If you receive a One-Time Passcode for a purchase you haven't made, please contact us.

To find out more, visit our OTP FAQs page.

Fraud Alert

This is a fraud alert from M&S Bank. We need to verify recent transactions. You will receive a message shortly from (+XXXXXXXXXXXX or +XXXXXXXXXXXX) with directions on how to respond. To protect you, we may decline your card until we have a response. Standard network charges apply.

Transaction Query

M&S Bank Fraud Alert: Possible unauthorised transactions on card ending1004: 250 GBP 30-Jan 09:56am ABCSTORES;
                            If you made all of these transactions, reply Y, if not please reply N and we will call you.

Call from M&S Bank

M&S Bank Fraud Alert: We suspect fraud on your card; an M&S Bank fraud agent will call you shortly. Alternatively, you can call us on (XXXXXXXXXXX or XXXXXXXXXXX) from UK or intl +XXXXXXXXXXXX 24x7.

Request to call

M&S Bank Fraud Alert: We suspect fraud on your card; please call us immediately on (XXXXXXXXXXX or XXXXXXXXXXX) from UK or intl +XXXXXXXXXXXX 24x7

You may receive other texts from us, depending on your marketing preferences and we could also contact you because you might be due a payment. This could be by letter, text message or a phone call.

If in doubt, don't respond - call us using the number on the back of your card.

Fraudsters can use text messages to try and gain access to your information and money. This is called Smishing. Find out more about Smishing, what to look out for and other techniques used by fraudsters.

Telephone number checker

If you would like to check if a text or call has come from us, enter the number into the box below and we will confirm if it is a genuine M&S Bank telephone number.

Please enter telephone numbers without spaces eg "03456005860" not "0345 600 5860"

Please match the requested format

Report suspicious emails or websites claiming to be M&S Bank

If you receive an email you believe to be suspicious, claiming to be from M&S Bank, or find a suspicious website purporting to be M&S Bank, do not click any links or open any attachments. Simply forward the email or URL to and we will investigate, and take the appropriate steps.

If you believe that you have shared confidential information either online or by telephone, or might be a victim of crime, such as a scam or cybercrime, please report this separately to your bank or card provider and Action Fraud. If you are an M&S Bank customer, please call the number on the back of your card. The phishing email address is not designed for reporting acts of financial crime.

What next?

Report it

If you think you've been the victim of a scam, report it to us as soon as possible by calling
0345 900 0900. You should also report it to Action Fraud (link opens in a new window).

Take Five

You can also visit the Take Five (link opens in a new window) website for more help on protecting yourself against fraud.

Stay safe

We also have our own Financial Fraud leaflet (PDF document) which tells you more about how to stay safe online.