Lost and stolen cards
Has your card gone missing?
If your M&S Debit or Credit Card is lost or stolen, you’ll need to call us to report this as soon as possible.
Our lines are open 24 hours a day, 7 days a week. Call us straightaway.
How to cancel a lost or stolen card
The only way currently available to cancel lost or stolen M&S Bank cards is by phone. Please have your telephone banking details ready when you call to make the process quick and easy for you.
Will cancelling my card affect my Direct Debits or standing orders?
No, standing orders and Direct Debits will not be affected because these payments are set up using your current account details (account number and sort code) and not your card details (card number, expiry date and CVV number). If you have recurring payments from your current account which were set up using just your card details, these will be affected. Any payments set up from your credit card will be affected once the card is cancelled.
Can I still access my Internet Banking or Mobile Banking app if my card is cancelled?
Yes, you can still access all of your digital banking without any interruption. Your sign-in details for these services are not linked to your credit or debit card.
What should I do if I find my card after reporting it lost or stolen?
Once your card is cancelled, it can’t be reactivated and your new card will already be on the way. You should destroy the card and dispose of it securely.
What happens if money was stolen from my account or credit card?
If you believe someone other than yourself has used, or tried to use, your credit or debit card, call the number at the top of this page as soon as possible.
We will cancel your card and then your case will be handled by our experienced Fraud Team who will do their best to help you in this stressful time.