Welcome to your M&S Credit Card

There are a range of different ways you can pay your monthly M&S Credit Card repayments. You can set up a Direct Debit where we’ll take your payment automatically each month, or you can pay your monthly balance manually. You can also make extra one-off payments as often as you like.

You can request a balance transfer in the M&S Bank app to move your existing credit or store card balance with another provider to your M&S Credit Card. You can do this once your card has arrived and you’ve activated it in the app. 

You will need:

• The details of your existing card provider(s) including the type of card and card number
• Your M&S Credit Card

Important things to know:

• The minimum you can transfer is £100 per balance transfer and you can only transfer one balance at time.
• All balance transfers are subject to available credit limit. Your credit limit can be found in the M&S Bank app.
• If you have other balances on your M&S Credit Card, we will apply the interest rate noted on your statement on that amount. If you don't pay off your monthly statement balance in full each month, your repayment will be used to pay off any balance at the higher interest rate first.
• 3.49% fee applies, minimum £5. This will be added to your credit card balance. 

Transfer requests can usually take up to 1-2 working days to be processed. Once the transfer is complete, the balance will appear on your next statement and in your app or Online Banking account. Please bear in mind it may take your other card or store card provider a few days to respond to us after we have processed a request, but don’t worry we are working on it.

If you request a balance transfer, you should continue to make payments to your existing card provider for the balance transfer amount until you receive their statement showing the balance transfer.

Going on holiday? You can use your M&S Credit Card abroad wherever you see the Mastercard logo. You don’t need to tell us if you’re going outside the UK, as we automatically monitor foreign transactions on your account to help protect you.

When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.