Received a suspicious text or call?

If you're wondering whether a text you have received is genuine, you're right to be suspicious. Criminals have become very sophisticated, enticing you to click on links or call phone numbers that belong to them.

Criminals could also contact you directly claiming to be M&S Bank or even the police, requesting that you complete certain actions which could result in fraud.

Here you'll find examples of the kind of texts we might send you and why.

You may receive other texts from us, depending on your marketing preferences and we could also contact you because you might be due a payment. This could be by letter, text message or a phone call.

If in doubt, don't respond - call us using the number on the back of your card.

Fraudsters can use text messages to try and gain access to your information and money. This is called Smishing. Find out more about Smishing, what to look out for and other techniques used by fraudsters.

If you receive an email you believe to be suspicious, claiming to be from M&S Bank, or find a suspicious website purporting to be M&S Bank, do not click any links or open any attachments. Simply forward the email or URL to phishing@mandsbank.com and we will investigate, and take the appropriate steps.

If you believe that you have shared confidential information either online or by telephone, or might be a victim of crime, such as a scam or cybercrime, please report this separately to your bank or card provider and Action Fraud. If you are an M&S Bank customer, please call the number on the back of your card. The phishing email address is not designed for reporting acts of financial crime.