Financial wellbeing

As the cost of living increases, higher prices are likely to affect us all. We’ve got a number of tools and tips to help support you.

Our useful tips for you

Ways to borrow

Want to understand more about the benefits of a credit card or loan? Learn about the types of borrowing available at M&S Bank before deciding what’s best for you.

How to save on energy bills

With the current rise in energy bill prices, it’s important to keep on top of your outgoings and take action to make savings on your energy where possible.

Ideas to change your spending habits

There are things we spend money on without thinking. Changing your buying habits might help you save money more easily.

M&S meal planning ideas

Meal planning can be a great way to cut down on your grocery costs and generate less food waste. M&S have teamed up with Tom Kerridge to create a handy meal planner to help you get organised before your food shop.

Your wellbeing

Money problems and your wellbeing are sometimes linked. If you feel your financial situation is impacting your wellbeing, you’re not alone, support is available.

Budget friendly family activites

Looking for some budget friendly activities to keep the family entertained? We have found some great ideas to have fun while keeping your costs down.

If you're looking for some further support

Budgeting support

Using a budget planner is an easy way to manage your finances, work out an achievable budget and identify where savings can be made.

Financial support

If you're worried about keeping up to date with your monthly payments, or have already fallen behind, we're here to help.

Managing your account

Ways to pay

Looking at setting up a Direct Debit or want to learn how to make a payment in the M&S Banking App? Find out about the various ways you can pay your M&S Credit Card to help you find the option that works best for you.

Credit card fees and charges

Learn more about the fees and charges that are linked to your M&S Credit Card to help you understand how to potentially avoid these fees in the future.

Stay alert of fraud scams

At a time when your financial or mental wellbeing is suffering, you might be more of a target to fraud scams.

Persistent debt

Find out more about what persistent debt is, what you can do to get out of persistent debt and how we can support you.

Helpful resources

We have teamed up with our colleagues at HSBC who are holding useful money matters webinars to guide you through the rising cost of living and more.

Take a look at the various support options available from the Government. This includes income and disability benefits, bills and allowances, childcare, housing and travel support.

Each year, billions of pounds of government benefits and allowances are going unclaimed. Many people don't realise they qualify for them. Check what you're entitled to.


If you’re looking for some further support, StepChange offer free debt advice from impartial experts - use their Money Health Check to get back on track or call 0800 138 1111