Apple Pay

Apple Pay is a way to pay in stores using your iPhone or Apple WatchFootnote 2*, and within some apps on your compatible iPhone or iPad. Simply add your M&S Debit or Credit Card to Wallet and you can transact using Apple Pay.

Footnote 2* [2]when paired with iPhone 5 or later models.

M&S Bank Debit and Credit cards are eligible for Apple Pay, subject to status.

The first card you add to Wallet is your default card. To change your default card go to Settings, select Wallet & Apple Pay and tap Default Card. Select your M&S Bank card to make it the default card for transactions.

You can also change a default card by selecting the card you would like to make the default, and dragging it to the front in Wallet. Tap "OK" when prompted.

Apple Pay can be used wherever you see the Apple Pay mark, including M&S stores, and with retailers where you see the contactless payment symbol. It can be used for travel with TfL on buses, DLR and the London Underground;

You can use Apple Pay to pay as you go on bus, Tube, tram, DLR, London Overground, TfL Rail, Emirates Air Line, River Bus and most National Rail services in London; you must tap in and out with the same device, so please ensure you have enough battery life to complete the journey.

A £45 limit will apply to transactions in some cases; ask the retailer for further details.

You can also make in-app or web purchases on your compatible iPhone, iPad, or Mac with participating retailers.

M&S Bank won't charge you for using Apple Pay, but charges from your mobile network provider may apply depending on your data plan.

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove your M&S Bank card from that device. This will happen even if your device is offline and not connected to a mobile or Wi-Fi network.

Apple will also be able to remove your card(s) from a device.

You can also call us on 0345 600 5860 to suspend or remove your card from Apple Pay.

If you lose your card, please contact us immediately on 0345 600 5860. Your actual card will be deactivated, and you will not be able to continue to use Apple Pay with this card. When we issue you a new card, you will need to register it with Apple Pay again.

If you replace or update your device, you will need to add your card(s) to Wallet again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Apple Pay at any time. Go to Settings > Wallet & Apple Pay, tap the card that you want to remove, then select Remove Card.

Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual M&S Bank Debit and Credit Card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

To protect your card:

• you must not choose a device passcode that can be easily guessed by anyone else or tell anyone else what your device passcode is; and
• you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.

Please contact us on 0345 600 5860.