Progressing your application

When you apply with us, we may request the following information about your finances in order to progress your application.

  • Details of your main current account (account name, account number, sort code and balance). This will be the account where you receive your salary and make bill payments from.
  • Details of transactions on those accounts (your incoming and outgoing transactions)

It should just take a few minutes to provide this information securely. To proceed, you'll be asked to give your consent for them to access your account information. Their partner, Account Score, will then categorise your transactional information, before passing it to us for use in your M&S Bank application. We will then assess your application and be in touch in the next few days with a final decision.


If you have any questions, please call us on 0345 900 0900, lines are open 8am-8pm, 7 days a week.

Frequently asked questions

1. Why should I do this?

It's normally quicker and easier to share your data than submit bank statements by post or email and this can help us make faster decisions.

2. What's involved and is it safe?

You'll need to give consent to a third party,, to access your account information through Open Banking. Companies who are providing services via Open Banking must comply with data protection laws and must be registered or authorised by the Financial Conduct Authority (FCA). They will also need to be registered with the Open Banking Implementation Entity. For more information on Open Banking, see the Open Banking Implementation Entity's website.

As part of keeping your data safe, will only access the transaction data you have given consent to retrieve on a one-time basis.

3. Will using Open Banking affect my credit rating?

No, progressing your application in this way won't have any impact on your credit rating. No additional credit searches will be completed.

4. Why do you need to see the extra information?

We need this additional information to process your application – this information will inform us of whether we can lend to you and the amount we are able to lend.

5. Can you access my data again in the future?

No. This is a one-time access request and no information will be provided to us unless you provide your explicit pre-consent and authorise access. We will only view data from the specific accounts you have authorised.

6. What are my other options?

If we need more information to progress your application, we will have sent you an email which explains the other options available to you.

7. I think I have submitted it, what happens now?

We'll contact you by phone or email to advise our decision, usually within the next 2 working days.

8. How long does it take to complete this process?

To progress your application in this way, you'll need your login credentials for your primary bank (username and password) to hand. The process should then take a few minutes to complete.