Financial support

If you're worried about your finances we're here to support you

What do you need support with?

Changes in your life can have a knock-on effect on your finances. This can lead to your finances getting out of balance, and may even become a worry. If you've recognised you need support, this is often the first step. If you've missed a payment, or are worrying about how to manage your debt, help is available.

Worried about making a payment?

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

Managing your money and debts

What steps can you take to help manage your money?

Financial wellbeing

With the current rising cost of living, we've got a number of tools and tips to support you.

Life Events

Life can take us on a journey with all kinds of unexpected twists and turns. Other than the information available on this page, see how else we can help you by visiting our Life Events page.

Financial Abuse

To find out more about financial abuse and how we can help, visit our Financial Abuse page for details.

Persistent Debt

Find out more about persistent debt and how it impacts you.

Ways to get in touch

If you're concerned about your immediate financial situation, it's best to get in touch as soon as possible. As a responsible lender, we'll work with you to ensure you can keep in control of any money concerns you may have, whether they are short or long term.

Chat with us online

A quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking.

To access Chat quickly, press and hold down the M&S Banking App and select 'Chat with us'.

Give us a call

Talk to our team of experts about your financial circumstances on 0800 313 4966.

Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.

Virtual assistant

Have a question about your financial circumstances? Just ask our virtual assistant to see if it can help.

Just ask our virtural assistant

Further help and support available to you

National Debtline

Offering free and independent debt advice.

Visit National Debtline or call 0808 808 4000


Free debt advice from impartial experts.

Use their Money Health Check to get back on track or call 0800 138 1111

Money Helper

Offering free and impartial money advice as well as tools to help improve your finances.

Visit Money Helper or call 0300 500 5000

Citizens Advice

Offering free, impartial advice on debt and money, work, benefits and more.

Visit Citizens Advice or call 03444 111 444