Secure payment options for your credit card

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.

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.

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

Alternatively, if you're not yet set up for Internet Banking 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.

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.

If you've not downloaded the M&S Banking App you'll first need to register for Internet Banking to set up your digital username and password. You'll then use this information to sign in to the app.

If you're ready to start using the M&S Banking App, head to the App store or Google Play store to download. Please note device restrictions apply.

You can pay your credit card via Pay by bank which is a simple, fast and secure way to pay your M&S Credit Card. It's easy to set up and there's no need to type in your debit card details or remember your account number each time you want to pay your account.

Alternatively, you can make a payment to your credit card using a debit card in the app, you will need to:

• Sign into the M&S Banking App using your face, fingerprint or Digital M&S PASS PIN.
• Select 'Payments' at the bottom of the screen, then select 'Pay using your debit card'.
• Follow the instructions to make a payment to your M&S Credit Card.
• Your payment will reach your account within approximately two hours. It may take up to 48 hours for this to show in your Transactions list within the M&S Banking App.

If you're not already registered you'll need to register for Internet Banking.

To make a payment to your credit card you need to:

• Sign in and select 'Pay your credit card' under 'Quick links'.
• Follow the instructions to make a payment to your M&S Credit Card.

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

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 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 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.

Simply fill out the Credit Card payment slip and take it with your statement to any bank displaying the MasterCard or Visa sign. Please also take a form of photographic ID with you.

Your statement will be stamped as proof of payment but please note that a charge may be made if payment is not made at a branch of your own bank.

It'll take up to 5 working days for your payment to reach your account.

Find your nearest HSBC branch

Please note, if you are a third party paying on behalf of an M&S Bank customer, please contact us on 0345 900 0900, to discuss a suitable alternative method of payment. Lines are open 8am - 8pm.

You can pay by debit card at till points in most M&S Stores. Simply present your card and statement along with your payment.

It takes up to 2 working days, not including the day the payment is made to reach your account.

If you're paying with cash, you can only pay up to £1,000 in a calendar month.

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.