Financial Support | Income and Expenditure Assessment

Income and Expenditure Assessment

Complete our income and expenditure assessment, so that we can understand your situation and give you support

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Income and Expenditure Assessment

Get personalised financial support

If you've missed a bill or payment, or think you might do soon, let us know as soon as you can. Answer a few questions on our income and expenditure assessment to give us a better idea of your current financial situation. This can help us to give you personalised support, no matter what financial difficulty you might be experiencing.

Complete the form Complete the income and expenditure form This link will open in new window

We've teamed up with consents.online to give you a safe and secure way to tell us about your income and expenditure. It should only take 10 to 15 minutes to complete, and it won't impact your credit rating. You'll only need to complete this form once, even if you hold multiple products.

We'll ask you for:

basic information about yourself
your current employment status
your current monthly income and outgoings - such as your salary and mortgage payments or rent

We'll ask you for:

basic information about yourself
your current employment status
your current monthly income and outgoings - such as your salary and mortgage payments or rent

It's important that we understand your situation and work with you to find the right solution. To do this, we need you to complete the Income and Expenditure form.

The form asks you about your monthly income and outgoings such as:

salary
mortgage payments
rent
utility bills
outstanding balances with other lenders

Please have this information to hand and ensure the email address you provide us with is correct and up to date.

Once you’ve submitted the form, we might need to speak with you to discuss the options available to support you.

You can talk to our specialist team using our Chat with us service or call us on 0800 313 4966. Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.

If you require support on how to complete the form, please use our Chat service, located at the bottom right of this page.

Our agents are available between 8am-6pm Monday to Friday and 8am-4pm Saturday.

When starting a chat, please ask “I need help with my I&E form.”

The Income and Expenditure form opens in a new tab, so if you’re using Chat as well as completing the form, you'll need to switch between tabs.

Alternatively, you can Chat with us in the M&S Bank app or call us on 0800 313 4966. Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.

Frequently asked questions

consents.online is a regulated provider of Open Banking that lets you be sure that you're only sharing the information you want to, when you want to. And you can be sure you know exactly who's looking at it.

This is provided free of charge to help you provide your information for the income and expenditure assessment more quickly and easily.

To use consents.online, you'll need the username and password you use to log on to your main bank account. This will be the account where you receive your salary and make bill payments from.

Alternatively, you can provide your details manually.

The easiest way to use consents.online is to open the income and expenditure assessment from your mobile, but you can also use your browser.

Income and Expenditure Assessment

Get personalised financial support

What to expect

Step 1 – submit the form

Step 2 – what next?

Help

Frequently asked questions

Will completing the assessment affect my credit rating?

What is consents.online and how do I use it?

Who can complete the income and expenditure assessment?

Further support

Digital banking