Download our M&S Banking App

The M&S Banking App is available on compatible devices from either the App Store (for Apple devices) or Google Play (for Android devices)

Online card purchases are changing

Industry-wide changes are being introduced to help keep you safe when making purchases online.

The benefits of Mobile Banking

With the M&S Banking App you can carry out your day to day banking in the palm of your hand for your credit card or Everyday Savings Account.

Here are just a few of the highlights of our banking app


Quickly view your statements, balances and transactions.


Make payments to your M&S Credit Card using a debit card

Simple and Secure

Sign in with face or fingerprint recognition on compatible devices.

Chat with us

Use our secure 'Chat with us' feature to get in touch with account specific queries, at a time convenient to you.

Supported Devices

The M&S Banking App is currently compatible with:

Apple iPhone, iPad, iPad Mini, iPod Touch devices running operating system version 12.2 and higher. You should always make sure that you are using the most up-to-date operating system that your device can support. The following devices should be able to run iOS 12.2, and the M&S Banking App:

  • iPhone 5s and subsequent models
  • iPod touch gen 6 and gen 7
  • iPad gen 5 and subsequent models, iPad mini 2 and subsequent models, all iPad Air and iPad Pro devices.

The app is currently also compatible with Android mobile and tablet devices running operating system version 6.0 and higher. Again, we recommend you also use the most up to date operating system your device can support.

Getting started

Before you set up the M&S Banking App, firstly please ensure that:

  1. You are registered for Internet Banking – you’ll need to use your Internet Banking username and password. If you’ve forgotten these details, please visit our ‘Forgotten details’ page for instructions on how to reset them
  2. You have a compatible mobile phone or tablet – please find out more about which devices are supported
  3. We have a mobile phone number for you – as you’ll be sent an activation code by text message.

If you have a physical M&S PASS, you can choose to use this to generate an activation code instead of entering your Internet Banking password and receiving a text message. Once the app is set up, the physical M&S PASS will no longer work.

Download the app from the App Store or Google Play and follow the simple steps to get set up. The app comes with an additional layer of security called a Digital M&S PASS. You’ll set up your Digital M&S PASS PIN – this is the code you’ll use to sign into the app, and also to generate a sign-in code for Internet Banking.

Once you've set up your Digital M&S PASS PIN, the next time you sign in, you can also enable face or fingerprint recognition, which will make signing in even easier (available on compatible devices).

Need help getting back on Mobile or Internet Banking?

Existing customers can use our handy Mobile and Internet Banking access help tool.

What's new... keep up to date with our latest app updates

Find out more about our latest M&S Banking App updates

Have a question about our Digital Banking services?

Just ask our Virtual Assistant to see if it can help

Your security and protection

Our Digital M&S PASS

Our Digital M&S PASS gives you added protection when you're using mobile banking. It also allows you to generate unique security codes, which only you have access to, to sign in to Internet Banking and to verify certain changes and transactions. This is known as two factor authentication, and adds an extra layer of security when you use our digital banking services.

Find out more about the M&S PASS
Find out more about staying safe when banking online

Sign in with your fingerprint or face

Your fingerprint and face are excellent security devices; no two are exactly the same and you've always got them with you! Your device will need to be enabled with face or fingerprint recognition (if available), and be compatible with the M&S Banking App. We recommend that you use the most up-to-date operating system.

Frequently asked questions

I've forgotten my Digital M&S PASS PIN. How can I reset it?

You can unlock your Digital M&S PASS PIN by completing the following steps;

  • Step one: Select 'Reset PIN'
  • Step two: Enter your password
  • Step three: An activation code will be sent via SMS
  • Step four: After entering your activation code, you will be asked to set up a new Digital M&S PASS PIN number

Can I have the mobile app on more than one mobile device?

Yes, you can download and use the M&S Banking App on up to three different mobile devices.

I am selling my device, what do I need to do?

Sign in to the mobile app and then you are able to remove the device by selecting ‘More’, ‘Manage devices’ and then tapping on the device you’re selling. 

I’ve got a new phone/device, how do I set it up?

You are able to have the app on up to three devices. If you have the app on less than three devices you simply need to download the M&S Banking App on your new device. If you no longer intend to use your previous device, you should remove it by selecting ‘More’, ‘Manage devices’ and then tap on the device you want to remove.

I already have the M&S Banking App on three devices, how do I change one of them to add a new one?

If you already have the M&S Banking App on three devices you will need to sign into one of those devices and remove one (by selecting ‘More’, ‘Manage devices’ and tapping on the device you want to remove). You can now set up the app on your new device.

What if my device is lost or stolen?

  • Call us as soon as possible on 0345 600 5860 if your mobile device is lost or stolen and we can temporarily suspend your account access. If you need to call outside our usual opening hours (8am-8pm), select the option to speak to our lost and stolen card support team. You may be responsible for unauthorised payments made from your accounts if you haven't kept your mobile or tablet, and your security details, safe.
  • If you've downloaded the mobile app on more than one device, you can also sign in to the app using one of your other devices and remove the app from the lost device by using the 'Manage devices' option within 'More'.

Can I use the same services as Internet Banking on this app?

No, the M&S Banking App allows you to check the balances on most accounts you hold with M&S Bank. You can also see the last 3 months' transactions on your M&S Credit Card and and Everyday Savings Account (up to a maximum of 300 transactions). You are able to view your credit card statements back to July 2018.

Also, you are able to view your credit card statements back to July 2018. If you hold a current account, statements can be viewed back to October 2018.

I've forgotten my username, password, or security answer. How can I change them?

Visit our 'Forgotten details' page for instructions on how to reset your sign-in details.

How do I activate my M&S Credit Card within the app?

Visit our Activating your card page for instructions on how to activate your M&S Credit Card via our app.

How do I enable fingerprint or face recognition in the M&S Banking App?

If you’re new to M&S Bank, you can enable your fingerprint or face recognition when you’re setting up the M&S Banking App.

If you’re an existing M&S Banking App user, you can enable/disable your fingerprint or face recognition by going to the ‘More’ section and selecting ‘Manage security’.

If I have someone else's fingerprint or face stored on my device, will they be able to sign in to the app?

Yes. If someone can use their fingerprint or face to unlock your device, they'll also be able to access your accounts on our app. You should only enable fingerprint or face recognition if you're the only person who has registered them on your device. You can add or remove these in your device settings.

How do I turn on spend notifications for my M&S Credit Card within the app?

You can turn on your spend notifications for your M&S Credit Card by following the below steps:

  • Sign in to the M&S Banking App
  • On the Balances screen, select the bell icon in the top right hand corner
  • Select ‘Turn on Notifications’
  • Select ‘OK’ to allow notifications
  • Once the tick appears, you will then be taken to your notification centre

This feature will be rolled out to app users over the coming weeks.

How do I manage my notification preferences?

You can manage your notification preferences by following the below steps:

  • Go to the ‘More’ section of your app and press ‘Notification preferences’
  • Press ‘Transactions’
  • Here you can manage the cards that receive spend notifications

This feature will be rolled out to app users over the coming weeks.

Will my additional card holder also receive spend notifications?

If your additional card holder spends using their M&S Credit Card, the spend notification will be received on the main card holders device, which the M&S Banking App is set up on.

This feature will be rolled out to app users over the coming weeks.

How do I update my phone number or email address within the app?

If you use our app on an Apple device, you can update your phone number or email address by following the below steps:

  • Within the app, go to ‘More’ and select ‘Contact details’ from the list
  • Select the details you need to update and click ‘Edit’
  • Enter your up-to-date phone number or email address and click ‘Continue’
  • Then, press ‘save phone number’ or ‘save email address’ and authenticate using Face ID, Touch ID or your Digital M&S PASS PIN.

That’s it! Your changes have now been made.

Downloading the App

Please note that device restrictions apply when downloading the app

Apple, iPhone, iPod touch, iPad, iPad mini, iPad Air, iPad Pro and the Apple logo are trademarks of Apple Inc., registered in the US and other countries and regions. App Store is a service mark of Apple Inc. iOS is a trademark of Cisco and used by Apple under licence. Android, Google Play and the Google Play logo are trademarks of Google LLC.

Important documents

Digital banking terms(PDF document)(opens in a new window)

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