M&S Pass

Soon, you will need to use an M&S PASS to sign in to our digital banking services

New regulations have come into effect that are designed to help keep everyone's accounts even safer. This means that you can no longer sign in to Internet or Mobile Banking using just your Internet Banking password and answer to your memorable question. Instead, you’ll need to use an M&S PASS.

How does it work?

An M&S PASS generates a unique, single use security code that you’ll need to enter when you sign in to Internet Banking, and also when you verify certain transactions when using Internet Banking. To generate the code, you need a PIN known only by you - or you can use Touch ID, Face ID or Android Fingerprint if your device has these features. The M&S PASS is a type of two-factor authentication that lets us know it’s you that’s accessing your account, and nobody else.  

You can either use a Digital M&S PASS (part of the M&S Banking App) or a physical M&S PASS (a device that looks a bit like a mini calculator).

What does this mean for you?

If you use the M&S Banking App, you will use the Digital M&S PASS, as this functionality is built into the app.

Find out how to set up the M&S PASS

Find out more about the M&S Banking App

If you don't have a compatible smartphone or tablet, or you'd prefer not to use the M&S Banking App, you'll be able to request a physical M&S PASS. This is a device that looks like a mini-calculator, and allows you to generate a unique security code, enabling you to sign in to your accounts and verify your transactions. New customers can order a physical M&S PASS when registering for Internet Banking. Existing customers will be prompted to select an M&S PASS when signing in – and at this point will be able to choose a physical M&S PASS if you wish. Please bear in mind it can take up to 7 working days for your M&S PASS to arrive in the post. So if you need to get access to Internet Banking quicker, you may find a Digital M&S PASS much faster to set up and easier to use in the long run. 

Already received your physical M&S PASS? Find out how to set it up

If you already use a physical M&S PASS

You can continue to use your physical PASS, but you may wish to consider switching to a Digital M&S PASS if you have a compatible device. You simply need to download the app, and follow the steps on screen to set it up. As part of the set-up, you can choose to activate the M&S PASS using an SMS activation code, or by generating a code on your existing physical M&S PASS. Once the Digital M&S PASS is set up, your old physical M&S PASS will no longer work.