Secure payment options for your credit card

You can complete our Direct Debit form below.

You'll need your account details to hand including your M&S Credit Card account number and the details of the account you wish for us to take the payment from.

Please ensure you continue to make payments until you receive confirmation of your first Direct Debit date. A fixed repayment will be for an amount set by you and can be changed at any time. If the minimum payment due is greater than this amount, we will claim the full minimum payment. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.

Alternatively, you can set up a Direct Debit through Internet Banking.

A step by step guide to setting up a Direct Debit in Internet Banking:

1. Sign in and select 'Set up a Direct Debit' under 'Quick links'
2. Follow the instructions on the screen to submit your setup request

Credit card customers can change their Direct Debit using our online form in the following ways:

• from a minimum to a full payment or fixed payment
• from a full to a minimum payment or fixed payment
• from a fixed to a full, minimum or another fixed payment

To request this, you can fill out our online form - you'll need your account details to hand including your credit card or account number and you'll also need details of your existing Direct Debit. This information can be found on your digital or paper statement.

Important information

• If you have a Direct Debit set up to take your minimum payment, the payment shown on your statement (or your remaining balance if lower) will be collected automatically. If you’ve made any extra payments, we’ll assume you want to pay more than the minimum amount (or any fixed amount you’ve asked us to collect) and won’t adjust your Direct Debit.
• If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.
• If you've previously had a Direct Debit set up but it has not claimed for over a year, you will need to set up a new Direct Debit instead.

You can use our 'Chat with us' service in our app or Internet Banking to change the payment date or amount or to reinstate or cancel your Direct Debit. Alternatively, if you aren't registered for digital banking, you can call us on 0345 900 0900 8am - 8pm, Monday to Sunday and one of our team will be able to help you.

A Direct Debit is a convenient and easy way to pay your M&S Credit Card account. You just tell us how much you'd like to pay towards your credit card each month and we will automatically take the funds from your nominated account providing there are sufficient funds available. We have three Direct Debit options to choose from to keep you in control of your account:

Minimum Payments - A great option if you want to avoid a missed or late payment. You can make additional payments on top of your Direct Debit if you choose to.

Fixed Payments - Choosing a fixed amount gives you the control of knowing how much you'll pay every month and the amount can be changed at any time. If the minimum payment due is greater than the fixed amount you've set, we will claim the minimum payment.

Full Payments - For customers who want to clear their balance every month, a full payment will clear your balance each month.

All Direct Debits are covered by the Direct Debit Guarantee so if there's ever a problem we'll put it right. You are also able to amend or cancel your Direct Debit at any time. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement.

There may be times where activity on your account impacts the amount your Direct Debit will claim. Use this section to understand when this might happen.

When does my Direct Debit start claiming?

A Direct Debit starts claiming 6 calendar days before it is due. These 6 days are made up by counting back from (and including) the payment due date which is shown on your statement. For example, if your Direct Debit was due on the 6th of the month, it would begin claiming on the 1st.

Will additional payments (such as a payment via bank transfer) change the amount my Direct Debit will claim? 

We will only adjust your Direct Debit from the amount shown on your statement if you have cleared the balance in full or claiming the amount would put the account into credit (providing the payment has cleared on to your account before your Direct Debit starts claiming).

Will refunds class as a payment to my account?

No, refunds only impact the amount your Direct Debit will claim if they have cleared on to your account before your Direct Debit starts claiming and would take your account into credit. Otherwise, we will still claim the amount on your last statement.

Pay by bank allows you to make payments directly from your bank account and is simple, fast and secure. It's easy to set up and there's no need to enter in your bank details or remember your account number each time you want to pay your account.

To use Pay by bank you'll need:

• The M&S Banking App
• A UK bank account with online banking enabled for your account

Within the M&S Banking App you will select how much you would like to pay towards your M&S Credit Card. You'll then be taken to your selected bank's online service and asked to confirm the payment request for the amount you told us you would like to pay.

If you need any help logging into the M&S Banking App, we have support tools to help.

Payments will usually be applied to your available credit within 2 hours, subject to standard checks. Your M&S Credit Card balance will be updated the next working day.

If you experience an issue using the Pay by bank feature or receive a 'Payment cancelled' message, you may need to make some changes to your settings. Please follow the steps below.

If you prefer to pay your credit card in person, you can visit your local bank branch. Paying in branch is a secure way to pay and get support if you need help or have questions. You'll just need to bring our bank details below and pay either at the counter or using your banks self- service machine.

To make a payment from your bank to your M&S Credit Card, our bank details are:

• Sort code - 40-12-57
• Account number - 59001115
• Payment reference - use your full 16-digit M&S Credit Card number

When setting up the payment you should quote our bank details below. Once set up, you will be able to make payments quickly and conveniently in the future or set up a standing order. Your payment will reach your account in about two hours, but it may take up to 48 hours for this to show in your Transactions list. 

Once your payment is set up, you can reuse it to make future payments. To make a payment from your bank to your M&S Credit Card, you’ll need our bank details:

• Sort code - 40-12-57
• Account number – 59001115 
• Payment reference – use your full 16-digit M&S Credit Card number

You can send money via bank transfer to your M&S Credit Card by setting up a new payee with your existing current account.

You should quote our bank details, sort code 40-12-57 and account number 59001115, with your full 16-digit M&S Credit Card number as a reference.

Your payment will be sent via faster payment and will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within Internet Banking or the M&S Banking App.

You can also set up a fixed payment or standing order with your bank.

If your bank returns multiple account names for this sort code and account number, you can pick any of them and your payment will still reach your account as long you use your full 16-digit M&S Credit Card number as a reference.

Your payment will be sent via faster payment and will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within Internet Banking or the M&S Banking App.

Each bank can set their own limits on how much can be sent via bank transfer. If you’re wanting to send a large amount via faster payment, the best way would be to check with your bank and check what limits they have in place.

Making an online bank transfer is safe and secure. Banks have many checks in place to ensure your payment goes to the right place. For more information on what checks are completed, please contact your bank directly.

To make a payment via our automated telephone banking service:

• Call 0345 900 0900 and select option 1.
• Then select option 1 again.
• Enter your 16-digit M&S Credit Card number and date of birth.
• Then select 'make a payment' and follow the instructions.

Typically, payments take up to 4 days to reach your account. Please note that any interest charged during this time will still be payable.

You can send money via bank transfer to your M&S Credit Card by setting up a new payee with your existing current account. You should quote our bank details, sort code 40-12-57 and account number 59001115, with your full 16-digit M&S Credit Card number as a reference.

Your payment will be sent via faster payment and will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within Internet Banking or the M&S Banking App.

You can also set up a fixed payment or standing order with your bank.

To make a payment to your M&S Credit Card from an overseas bank account, you need to quote a 'SWIFT' address (also known as the Business Identifier Code (BIC)).

The bank must also quote our sort code & bank account number.

SWIFT/BIC - H B U K G B 4 B which is the reference for the M&S account using:

Sort code: 40-12-57

Account no: 59001115

IBAN: G B 1 7 H B U K 4 0 1 2 5 7 5 9 0 0 1 1 1 5

Your card or account number is the payment reference. Please ensure this is entered without any spaces.