Before you start, you'll need to have your smartphone or tablet to hand so that you can access the
M&S Banking App.
First, make sure you're signed into M&S Internet Banking. On the 'My Accounts' screen, please click
into your M&S Current Account.
The next screen shows you a summary of your account details. Go to the list on the left-hand side of
the screen and click 'Send Money' and select 'To Someone Else' from the list that drops down below.
Next, select from the list of existing payees or select from one of the options under 'Create a new
On the 'Send money to another account' screen, once you've filled in the details as requested, if
you're creating a new payee, you'll need to generate a transaction code using your Digital M&S PASS.
To do this, launch the M&S Banking App on your smartphone or tablet and select 'Generate a security
code', and then 'Transaction verification code'.
On the next screen, enter the last four digits of the payee's reference or account number followed by
the payment amount, including pence.
Now select 'Authorise' and use face or fingerprint recognition, if you have this set up.
Alternatively, enter your 6-digit M&S PASS PIN. A 6-digit transaction code will be displayed.
Enter this code in the boxes at the bottom of the screen.
Finally, click 'Continue' and you will see a summary of the transaction. If all the details are
correct, click 'Send Money' and you'll receive confirmation it's been sent with the option to print
Please note, once you've completed these steps and successfully made your first payment, you'll only
be asked to verify the payment with a transaction code periodically.
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We hope you found this video guide helpful.