Apple Pay

An easy way to pay with your M&S Bank Card.

How to set up Apple Pay

On Apple Watch Series 3 and later, and iPhone 8 and iPhone 8 Plus and later, you can add up to 12 cards on a device. On earlier models, you can add up to eight cards on a device. The same card can be added on up to nine devices. The first card added to Apple Pay will be the default card. Payments will be made from this card unless another card is selected. You can change your default card at any time by going into 'Settings', and then 'Wallet & Apple Pay'

For a list of compatible devices, visit the Apple support page (opens in a new tab).

iPhone

Step 1

Open the Wallet app, then tap the plus sign in the upper-right corner.

Step 2

From there, simply enter your card's security code to add your credit or debit card that you use with your Apple ID.

Step 3

To add a different card, use your iSight camera to enter the card information, or type in manually.

Apple Watch

Step 1

Open the Apple Watch app on your iPhoneFootnote 1* and select "Wallet & Apple Pay".

Step 2

Then tap "Add a new Credit or Debit Card".

Step 3

From there, simply enter your card's security code to add your credit or debit card that you use with your Apple ID.

Step 4

To add a different card, use your iSight camera to enter the card information, or type it in manually.

Footnote 1*[1]when paired with iPhone 5 or later model.

iPad

Apple Pay is available with iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.

Step 1

Go into Settings, tap "Wallet & Apple Pay", and tap "Add Credit or Debit Card".

Step 2

From there, simply enter your card's security code to add your credit or debit card that you use with your Apple ID.

Step 3

To add a different card, use your iSight camera to enter the card information, or type it in manually.

Mac with Touch ID

Step 1

Go to System Preferences, and select "Wallet & Apple Pay" and then "Add Card."

Step 2

Enter your card’s security code to add your credit or debit card that you use with your Apple ID.

Step 3

To add a different card, use your camera to scan the card information.

Apple Pay is available on Mac models with Touch ID.

How to pay

Call friends, take pictures, and pay for your sandwiches?

Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features. So you can pay in an easy, secure, and private way.

Making payments is easy & secure

Payments will come from your default card, which can be changed at any time by going into Settings, and then Wallet & Apple Pay.

In store

If your iPhone uses Face ID, double-click the side button and then glance at your iPhone to authenticate with Face ID. Next, hold the top of your iPhone near the contactless reader until you see 'Done' and a tick on the display. If your iPhone uses Touch ID, you can hold your phone near the contactless reader with your finger on Touch ID until you see 'Done' and a tick on the display.

On Apple Watch, double-click the side button and hold the display of your Apple Watch up to the contactless reader. A gentle tap will confirm that your payment information was sent.

In app and on the web

To pay in apps and on websites in Safari on your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID.

To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. Or, if your Mac has Touch ID, select Apple Pay at checkout in Safari and complete the payment using Touch ID on the Touch Bar.

FAQs

What is Apple Pay and which devices are compatible?

Apple Pay is an easy, safe way to pay in stores, in apps, and on the web with your iPhone, Apple Watch, 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 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 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.

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:

For iPhone

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 enabled 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 new tab).

What should I do if I lose my iPhone, iPad, Apple Watch or Mac?

If your iPhone, iPad, Apple Watch or Mac 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.

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 Apple Pay

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 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.

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 team.

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?

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 countries.