Messages M&S Bank might send you
If you're wondering whether a text you have received from M&S Bank is genuine, you're right to be
suspicious. Criminals have become very sophisticated in enticing you to click on links or call
numbers that belong to them. They pretend to be an organisation you trust, like your bank,
company, internet provider or even the police or HMRC.
When you make an online transaction, we might send you a One-Time Passcode (OTP) as an
NEVER share this code, even with bank staff or police. If you receive a
One-Time Passcode for a purchase you haven't made, please contact
To find out more, visit our OTP FAQs
Call from M&S Bank
Request to call
You may receive other texts from us, depending on your marketing preferences and we could
also contact you because you might be due a payment. This could be by letter, text message
or a phone call.
If in doubt, don't respond - call us using the number on the back of your
Fraudsters can use text messages to try and gain access to your information and money. This
is called Smishing. Find out more about Smishing, what
to look out for and other techniques used by fraudsters.