What is Apple Pay and which devices are
Apple Pay is an easy, safe way to pay in stores, in apps, and on the web with your iPhone, Apple
iPad, and Mac. You can quickly check out using the devices you carry every day.
For a list of compatible devices, visit the Apple support
page (opens in a new tab).
Which M&S Bank cards can I use with Apple Pay?
M&S Bank Cards are eligible for Apple Pay, subject to status.
How do I set my M&S Bank card as the default card for
The first card you add to Wallet is your default card. To change your default card go to Settings,
Wallet & Apple Pay and tap Default Card. Select your M&S Bank card to make it the default
You can also change a default card by selecting the card you would like to make the default, and
it to the front in Wallet. Tap "OK" when prompted.
Where can I use Apple Pay and is it free to use?
Apple Pay can be used in stores wherever you see these symbols:
It can also be used for travel with Transport for London on buses and the London Underground.
You can make in-app and web purchases on your compatible iPhone, iPad or Mac wherever you see the
Apple Pay button at checkout.
A £45 limit will apply to transactions in some cases; ask the retailer for further details.
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.
How do I enable Express Transit Mode?
Express Transit mode allows you to use Apple Pay on your iPhone or Apple Watch to touch in and touch
out for pay as you go journeys on TfL. There’s no need to use Face ID, Touch ID or double-click the
side button of your Apple Watch.
To enable Express Transit mode for your M&S Bank card in Apple Wallet, follow these simple steps:
Open the Settings app on your iPhone.
Tap Wallet & Apple Pay, then tap Express Transit Card.
Select your M&S Bank card, then authenticate with Face ID, Touch ID, or your passcode.
For Apple Watch
Open Watch App on your iPhone and select the My Watch tab.
Tap Wallet & Apple Pay, then tap Express Transit Card.
Select your M&S Bank card, then authenticate with your Apple Watch passcode.
If you have a default M&S Bank card set for Apple Pay, Express Transit mode will automatically be
for this card. If you wish to disable this feature please follow the steps above.
Please note: You can only have one Express Transit card per Apple device.
You can find out more by visiting the Apple Transit knowledge page (opens in a
What should I do if I lose my iPhone, iPad, Apple Watch or
If your iPhone, iPad, Apple Watch or Mac is lost or stolen, you can go to icloud.com/find or use the
iPhone app to suspend or permanently remove your M&S Bank card from that device. This will happen
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
or remove your card from Apple Pay.
Lines are open 8am-8pm 7 days a week.
What should I do if I lose my card?
If you lose your card, please contact us immediately on 0345 600 5860.
If you have a debit card:
- your card will be stopped, and you’ll no longer be able to use Apple Pay with this card
- when we issue you with a new card, you’ll need to register it with Apple Pay again
If you have a credit card:
- your card will be stopped
- when we issue you with a new card, you won’t need to register it with Apple Pay again as
your new card details will be updated automatically
- once your new card arrives, you should activate it as soon as possible to continue using
Lines are open 24 hours a day, 7 days a week.
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
them. You should also remove your card if you temporarily pass your device to someone else; for
you pass it to be repaired.
You can remove a card from Apple Pay at any time. Go to Settings > Wallet & Apple
tap the card that you want to remove, then select Remove Card.
What happens when my card expires?
If your card is nearing expiry, a replacement card is automatically issued and the new card details
are automatically updated in Apple Pay once you have activated your new card. If the expiry month
has passed and you have not received a new card, you will need to contact our Lost & Stolen
Is Apple Pay secure?
Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual M&S Bank
and Credit Card numbers when you add your card, a unique Device Account Number is assigned,
securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you
purchase, the Device Account Number, along with a transaction-specific dynamic security code, is
process your payment so your actual credit or debit card numbers are never shared by Apple with
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
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?
Please contact us on 0345 600 5860.
Lines are open 8am-8pm, 7 days a week.
Apple, the Apple logo, Apple Pay, Apple Watch, iPhone, iPad, Mac,
Safari, Touch ID and iSight are trademarks of Apple Inc., registered in the U.S. and other