What support is available?
Card options
All of our M&S Credit Cards are sent as a CHIP & PIN card. If this isn’t suitable for you, we can send you a signature card instead where you will need to sign for each transaction you make. Get in touch to request a signature card.
Contactless

This is where you can pay for items up to £100 in stores without having to enter your PIN. All of our cards will work at contactless readers throughout the UK, all you need to do is tap your card against the card machine wherever you see the contactless logo.
For security reasons, sometimes you will be asked to insert your card and enter your PIN.
Digital Wallet
Like using a contactless card, you can now use your compatible smartphone to pay for purchases without having to use your card or a PIN. You can make payments over £100 using your mobile phone, but some retailers will have their own limits in place and may ask for you to insert your card and enter your PIN.
M&S Banking App and Internet Banking
Did you know that digital banking can work in a way that suits you? Especially when you make the most of what your computer, mobile or tablet has to offer through its accessibility settings.
Here’s some of the things you can do online with us that you might find useful:
- Spend notifications – keep on top of your spends by turning on spend notifications in our banking app, notifying you every time your M&S Credit Card is used to make a transaction
- Statements & balances – access your statements and balances in a way that suits you via our banking app or Internet Banking
- Approve online payments – by using our banking app, you can approve the online payments you make using your fingerprint or face
I want to learn more about:
M&S PASS and card reader options
By downloading our mobile banking app on your mobile or tablet, you’ll be able to use the accessibility settings on your device to support you in accessing the digital M&S PASS (so that you can access your Internet Banking) and use the app to approve any online payments you make (instead of using a card reader). If you’re unable to use our mobile banking app, take a look at the alternatives we have available to support you.

Your support needs
Tell us how we can support you with your banking in a way that works for you.
Additional support

Banking definitions
Not sure what we mean when we use certain banking terms? Use our banking definitions guide to help make sense of your banking.
Not found what you’re looking for?
We’re always happy to help. We have a number of accessible ways to contact us.