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How we protect you

We work constantly to keep you and your money secure online
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If you think you've been a victim of fraud, act promptly.

If you have M&S Bank card, call 0345 900 0900. Also, let any other credit providers know straightaway.

How we protect you

From password protection to advanced encryption technology, we use fraud and financial crime detection systems and technologies to keep your personal details and your money safe.

Here's some of the ways in which we protect you:

  • Authorised Push Payment (APP) Scams Voluntary Code
  • Password protection
  • M&S PASS
  • Secure sessions
  • Automatic lock-outs
  • Spend Safe – our fraud detection system
  • Verified by Visa
  • Mastercard® SecureCode™
  • One-Time Passcode
  • Online fraud guarantee
  • Identity and address verification

Our Digital Security promise

This is our promise to you:

  • We'll continually work to keep your money and accounts safe from unusual activity. From time to time we may get in touch if we suspect anything suspicious on your account.
  • We'll look to refund you if your money is taken from your account by fraudsters without your permission, as long as you keep your security details safe and sound*. Please let us know if you notice any unusual activity on your account.
  • We'll help you protect yourself with our advice on security. Our website and financial fraud guide provides useful tips and advice on how to avoid becoming a victim of financial crime.

* If you've been tricked into authorising a payment this may be covered by the APP scams voluntary guide, which M&S Bank is amongst the first banks to sign up. It's not covered by our Digital Security Promise

What makes our Internet Banking secure?

What makes our banking app secure?

What else do we do to keep your money safe online?

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.