What is 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* when paired with iPhone 5 or later models.
Which devices are compatible with Apple Pay?
Apple Pay is currently made available by Apple on the following devices, running iOS 8.3 or later:
In stores, within apps and on the web in Safari.
- iPhone 7
- iPhone 7 Plus
- iPhone 6s
- iPhone 6s Plus
- iPhone 6
- iPhone 6 Plus
- iPhone SE
In stores and within apps, paired with iPhone 5 and later.
- Apple Watch Series 2
- Apple Watch Series 1
- Apple Watch (1st generation)
Within apps and on the web in Safari.
- iPad Pro
- iPad (5th generation)
- iPad Air 2
- iPad mini 4
- iPad mini 3
On the web in Safari.
- MacBook Pro with Touch ID
- A Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch
Which M&S Bank cards can I use with Apple Pay?
M&S Bank Debit and Credit cards are eligible for Apple Pay, subject to status.
How do I set my M&S Bank card as the default card for Apple Pay?
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
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.
Where can I use Apple Pay?
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
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
Is Apple Pay free to use?
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.
What should I do if I lose my iPhone, iPad or Apple Watch?
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 900 0900 to suspend
or remove your card from Apple Pay.
What should I do if I lose my card?
If you lose your card, please contact us immediately on 0345 900 0900. 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.
What happens when I replace or update my device?
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.
Is Apple Pay secure?
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.
I have been prompted for a one-time passcode. What is this and why is it required?
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.
What should I do if I still have questions or need assistance with Apple Pay?
Apple, the Apple logo, Apple Pay, Apple Watch, iPhone, iPad, iTunes, Mac, Safari,
Touch ID and iSight are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a
trademark of Apple Inc.
Lines are open 8am-8pm, 7 days a week.