Securely manage your personal loan with M&S Bank

You can set up a fixed payment or standing order with your bank.

If your M&S Loan account number is a 10 digit number, please quote the M&S Bank account number 99001174 and sort code 40-12-57 and use your M&S Loan account number as the payment reference- this is a 10-digit number. You’ll need to use ‘Marks and Spencer’ in the name field, and select Business Account.

If your M&S Loan account number is a 14 digit number (often referred to as your personal loan agreement number), please quote:

• The sort code, this is the first 6 digits of your loan agreement number (starting 40).
• Your 8 digit account number is the last 8 digits of your loan agreement number (it's the 8 digits directly after the sort code).
• Reference: Loan Repayment.

Use your own name for the recipient's name and select personal account.

Your account number can be found on the front of your agreement or annual loan statement. Most payments reach the account immediately.

If your M&S Loan account number is a 10 digit number, please send your cheque to: M&S Bank, PO Box 349, Lowton Way, Hellaby Industrial Estate, Sheffield, S98 1EQ. Make your cheque payable to M&S Bank and include your M&S Loan account number on the reverse. Your M&S Loan account number can be found on the front of your loan statements. Please don't send post-dated cheques as we can't accept them. It will take up to 6 working days to appear on your account.

If your M&S Loan account number is a 14 digit number, we do not accept payments by cheque. Please review alternative payment methods.

You can make an overpayment using a debit card by contacting our Customer Services team on 0800 363 400.

Please call your bank and reference your M&S Loan account number which can be found on the front of your annual loan statement and quote the relevant loan account number.

If your M&S Loan account number is a 10 digit number, please quote the M&S Bank account number 99001174 and sort code 40-12-57 and use your M&S Loan account number as the payment reference- this is a 10-digit number. You’ll need to use ‘Marks and Spencer’ in the name field, and select Business Account.

If your M&S Loan account number is a 14 digit number (often referred to as your personal loan agreement number), please quote:

• The sort code, this is the first 6 digits of your loan agreement number (starting 40).
• Your 8 digit account number is the last 8 digits of your loan agreement number (it's the 8 digits directly after the sort code).
• Reference: Loan Repayment.

Use your own name for the recipient's name and select personal account.

Your account number can be found on the front of your agreement or annual loan statement. Most payments reach the account immediately.

To keep your account up to date you must pay at least your loan contractual monthly repayment. If you're unable to make your contractual monthly repayments, it's important you contact us as soon as you recognise you're in difficulty, so we can work with you to understand your current financial situation and find an appropriate solution.

If you've recognised you need support or are worrying about how to manage your debt visit our financial support hub to learn about the help that is available.