Postal delays

You can set up a Direct Debit through Internet Banking.

A step by step guide to setting up a Direct Debit in Internet Banking:

1. Once you've logged into Internet Banking, select ‘M&S Credit Card' in the ‘My Accounts' section.
2. Under ‘Make a Payment' select ‘Set up a Direct Debit'.
3. Here you can choose to set up the Direct Debit online or you can download a paper mandate to return by post.
4. If you choose to set up the Direct Debit online, all you need to do is complete the online form and click 'Submit'.

Alternatively, if you’re not yet set up for Internet Banking you can complete our Direct Debit form.

Set up Direct Debit form (link opens in a new tab)

Please ensure you continue to make payments until you receive confirmation of your first Direct Debit date. A fixed repayment will be for an amount set by you and can be changed at any time. If the minimum payment due is greater than this amount, we will claim the full minimum payment. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.

Credit card customers now have the option to change their Direct Debit from full to minimum payment.

To request this, you can fill out our online form. You will receive an automated email to confirm it’s been received and we will be in touch as soon as possible to let you know when your Direct Debit has been changed.

Important information

• If you have a Direct Debit set up to take your minimum payment, the payment shown on your statement (or your remaining balance if lower) will be collected automatically. If you’ve made any extra payments, we’ll assume you want to pay more than the minimum amount (or any fixed amount you’ve asked us to collect) and won’t adjust your Direct Debit.
• If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.

Amend your Direct Debit

If you’re not already registered you’ll need to register for Internet Banking.

To make a payment to your credit card you need to:

• Sign in and select 'Make a Payment' from the left-hand menu.
• Follow the instructions to make a payment to your M&S Credit Card.

If you've not downloaded the M&S Banking App you'll first need to register for Internet Banking to set up your digital username and password. You'll then use this information to sign in to the app.

If you're ready to start using the M&S Banking App, head to the App store or Google Play store to download. Please note device restrictions apply.

To make a payment to your credit card in the app you need to:

• Sign into the M&S Banking App using your face, fingerprint or Digital M&S PASS PIN.
• Select 'Send money' at the bottom of the screen, then select 'Pay your M&S Credit Card’.
• Follow the instructions to make a payment to your M&S Credit Card.

To make a payment via our automated telephone banking service:

• Call 0345 900 0900 and select option 1.
• Then select option 1 again.
• Enter your 16-digit M&S Credit Card number and date of birth.
• Then select 'make a payment' and follow the instructions.

You should quote our bank details, sort code 40-12-57 and account number 59001115, with your 16-digit M&S Credit Card number as a reference.

Your payment will reach your account within approximately two hours.

You can also set up a fixed payment or standing order with your bank.

Simply fill out the Credit Card payment slip and take it with your statement to any bank displaying the MasterCard or Visa sign. Please also take a form of photographic ID with you.

Your statement will be stamped as proof of payment but please note that a charge may be made if payment is not made at a branch of your own bank.

It'll take up to 5 working days for your payment to reach your account.

Find your nearest HSBC branch

Please note, if you are a third party paying on behalf of an M&S Bank customer, please contact us on 0345 900 0900, to discuss a suitable alternative method of payment. Lines are open 8am – 8pm.

You can pay by debit card at till points in most M&S Stores. Simply present your card and statement along with your payment.

It takes up to 2 working days, not including the day the payment is made to reach your account.

If you're paying with cash, you can only pay up to £1,000 in a calendar month.

You can make a full, fixed or minimum payment Direct Debit. We will collect your Direct Debits regardless of any payments you may have made. Additional payments can also be made by any of the other payment methods listed. Just call us on 0345 900 0900 and we’ll set up a Direct Debit for you (lines are open 8am – 8pm).

When arranging payment with your bank, please quote your account number (without the spaces) found on the front of your statement or card number as requested by your bank and the M&S Bank account number 99001174 and sort code 40-12-57. Your payment will reach your account within approximately 2 hours and your balance will reflect this the next working day.

You can pay by debit card at till points in most M&S stores. Simply present your card and statement along with your payment at selected till points. It’ll take up to 2 working days for your payment to reach your account.