Stay in control with the M&S Banking App

Our app gives you freedom to manage your M&S Credit Card or Everyday Savings Account wherever and whenever you like

Download our app

Online card payments have changed

Industry-wide changes have been introduced to help keep you safe when making payments online.

The M&S Banking App allows you to manage your M&S Credit Card or Everyday Savings Account in the palm of your hand.


Quickly access your account with your fingerprint or face (compatible device required)


View your statements, balances and transactions with ease


Securely approve online credit card payments if you’re a regular user


Have access to our ‘Chat with us’ feature to discuss account specific queries

Forgotten your credit card PIN? No problem, view it in the app

There are so many passwords and numbers to remember these days, it’s not surprising that sometimes you can’t bring your PIN to mind when you need it. Luckily though, you can retrieve it in an instant using the M&S Banking App.

It’s really easy to view your credit card PIN in the app – just watch our handy video to see how:

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View your credit card PIN using the M&S Banking App

You can now use the M&S Banking App to view your PIN.

It’s a very handy feature in case you ever forget your PIN.

Simply sign into the app,

And on the account screen select ‘M&S Credit Card’.

Next, tap ‘Manage cards’

And then ‘View card PIN’.

You’ll then be asked to confirm it’s you,

Using your fingerprint, face or M&S PASS PIN

And your PIN will appear for a limited amount of time.

It’s that simple, never forget your PIN again.

Security matters. Thank you for watching.

Available on compatible devices for main cardholders

Why use our app?

We’re continuously evolving our app to bring you the latest in exciting new features and security.

Securely confirm online payments

The next time you’re shopping online, you might be asked to confirm it’s you when you check out and pay. If you’re a regular app user you’ll be asked to use the app to verify your payments

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Banks are making some changes to help protect you against fraud.

The next time you’re shopping online, you might be asked to confirm it’s you when you check out and pay.

To do this you can use the M&S Banking App to verify your payment.

When paying for your online order, enter your M&S Credit Card details as usual.

Before you can complete the payment, a verification screen will pop up, with instructions on how you can confirm your identity using the M&S Banking App.

Don’t press the ‘Payment confirmed’ button until you’ve done this.

First, sign in to the M&S Banking App.

(If you are using a mobile you will need to come out of the checkout screen to open the App.)

A ‘confirm this payment’ screen will appear. If the details are correct, tap ‘confirm’.

Then verify it’s you by using your face, fingerprint or Digital PASS PIN.

Once you have confirmed your identity, return to the checkout to complete your order.

Now you can press the ‘Payment confirmed’ button and you’ll see a confirmation of your order on the checkout screen.

Thank you for watching.

Spend Notifications

Receive notifications when you spend using your M&S Credit Card – so you can stay on top of things

Chat with us

An easy and secure alternative to calling us to ask account specific questions

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Don’t spend your precious time on hold.

Chat with us is now available in the M&S Banking App.

Ask specific questions about your account securely within the M&S Banking App instead of calling. (App available on compatible devices).

More features of the M&S Banking App

  • View PIN – retrieve your credit card PIN in an instant, a handy feature in case you ever forget it.
  • Mobile statements - view and download digital versions of credit card statements.
  • Change your contact details - update your contact details directly in the app.
  • Activate card - activate your M&S Credit Card – it’s easy, secure, and you can do it on the move!
  • Spend notifications - be notified when you spend using your M&S Credit Card, so you can stay on top of things.
  • Chat with us – use our secure 'Chat with us' feature to get in touch with account specific queries, at a time convenient to you.
  • Confirm online payments - if you're a regular user of our banking app, you can confirm your payments within the app.
  • Mobile app on multiple devices - access the full app on up to 3 devices, adding or removing them at any time.
  • Biometrics - a simple and secure way to sign in to our mobile banking app.

Getting started

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

  1. You’re registered for Internet Banking as you’ll need to use your Internet Banking username and password. If you’ve forgotten these details, please visit our ‛Forgotten details’ page.
  2. You have a compatible mobile phone or tablet.
  3. We have a mobile phone number for you as we’ll need to send you an activation code. Alternatively, you can use a physical M&S PASS to generate the activation code.

Do you have a physical M&S PASS?

Once the app is set up, your physical M&S PASS will no longer work as the app comes with a Digital M&S PASS which will replace it.
Find out more about the Digital M&S PASS and how to use it to sign in to Internet Banking

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.

Download our app today

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.

Important documents

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

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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

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.

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

View more FAQs

Have a question about our Digital Banking services?

Just ask our Virtual Assistant to see if it can help

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.