To keep your account up to date you must pay at least your loan or credit card minimum contractual monthly payment.
If you usually pay the full or a fixed amount to your credit card you can reduce what you pay to the minimum monthly payment for a short period to keep your account up to date. Just get in touch.
What does arrears mean? Learn more about arrears.
Ways to get in touch
If you're concerned about your immediate financial situation, it's best to get in touch as soon as possible. As a responsible lender, we'll work with you to ensure you can keep in control of any money concerns you may have, whether they are short or long term.
A quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking.
To access Chat quickly, press and hold down the M&S Banking App and select 'Chat with us'.
Talk to our team of experts about your financial circumstances on
0800 313 4966.
Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.
Need some Breathing Space?
If you’re struggling with multiple debts or you have already fallen behind on your bills and need some time to seek third party financial advice, you may be eligible for Breathing Space.
Our Financial Support Team are here to help. If you're struggling with repayments, the sooner you reach out, the better.
- Chat with us or call us on 0800 313 4966.
- We’ll discuss your financial situation, and we may ask you to provide your income and expenditure information.
- Where appropriate, we’ll give you some Breathing Space to allow you time to seek third party financial advice.
Further help and support available to you

National Debtline
Offering free and independent debt advice.
Visit National Debtline or call 0808 808 4000

StepChange
Free debt advice from impartial experts.
Use their Money Health Check to get back on track or call 0800 138 1111

Money Helper
Offering free and impartial money advice as well as tools to help improve your finances.
Visit Money Helper or call 0300 500 5000

Citizens Advice
Offering free, impartial advice on debt and money, work, benefits and more.
Visit Citizens Advice or call 03444 111 444
I'm worried about paying my M&S Insurance premiums
If you’re struggling financially, support is available. Please don't cancel any payments or Direct Debits as missing a payment may mean you run the risk of your policy being cancelled and you could be left uninsured.
M&S Car Insurance customers can find out more by visiting the manage your policy page.
M&S Home Insurance customers can find out more by visiting the manage your policy page.
M&S Pet Insurance customers can find out more by visiting the manage your policy page.
Steps to help manage your money

Managing your money - our support tools
We've got a number of tools and tips to help support you when managing your finances.