Sparks Pay help and support

We constantly review our credit offering to make sure we’re giving our customers the best products and services at great value, and this difficult decision was made following a recent review.

If you have a balance on your Sparks Pay account, you’ll first need to pay until the balance is nil. Once your balance is cleared, we’ll close your account and cancel any Direct Debit.

If you have an arrangement in place, due to being in financial difficulty, this will continue as agreed. Once your balance is cleared, we’ll close your Sparks Pay account.

If you’ve already cleared your balance, you don’t need to do anything. We will close your Sparks Pay account on 15 January 2026.

Once signed in to your Sparks Pay servicing area you can locate your account number on the top right-hand side of the page within the green banner.

To review your Sparks Pay account, you’ll need to log into your M&S.com account and open the Sparks Pay servicing area. This will provide you with an account overview, including your balance and most recent transaction. You’ll also be able to make a payment here as well as view and download previous statements.

To sign in via M&S.com, you can select 'Sparks Pay' from the My account menu.

To sign in via the M&S App, you can find 'Sparks Pay' within your account information page.

We can help with anything related to your Sparks Pay account, please contact us on 0345 900 0900^*. However, if your complaint is about goods that have been purchased with your Sparks Pay account, please refer back to the Help section on M&S.com.

M&S Bank offer a range of credit products. You may wish to explore our credit card offers. Alternatively, you can learn more about ways to borrow to determine the right product for your needs. Credit is based on your personal circumstances and terms and conditions apply.

If you’re worried about repaying your balance, please contact our Financial Support Team by calling 0345 300 1311.  We’re open 8am-6pm Monday to Friday, and 8am-4pm on Saturday.

For Sparks Pay accounts, please use account number: 59001115 and sort code: 40-12-57, and include your 16-digit Sparks Pay account number as a reference.

During the application for your Sparks Pay account, we'll have asked you for banking details in order to set up a Direct Debit for repayments. If that has been cancelled or you need to change the bank account this is taken from, you can set up a Direct Debit by completing the online form.

To cancel a Direct Debit on your Sparks Pay account please call us on 0345 900 0900^*.

If you wish to make any changes to your existing Direct Debit please complete the online form. Following this you will receive an automated email to confirm it’s been received and we will be in touch as soon as possible to confirm your Direct Debit has been changed successfully. This should take effect by your next month's statement.

Please ensure you continue to make payments until you receive confirmation of your first Direct Debit date. A fixed repayment will be for an amount set by you and can be changed at any time. If the minimum payment due is greater than this amount, we will claim the full minimum payment. If your statement balance is lower than your fixed amount, we will only claim the balance on your statement. If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance.

Your Sparks Pay balance will be viewable through your Sparks Pay Account, which you can access by logging into your M&S.com account and open the Sparks Pay servicing area.

For Sparks Pay, you can access up to 18 months’ worth of statements through your Sparks Pay servicing area.

If you would like to change the date that your Sparks Pay account produces a statement please call 0345 900 0900^*.

If you don't recognise a transaction on your Sparks Pay account you can call us on 0345 900 0900^* and one of the team will be able to help you.

You can access up to 18 months’ worth of Sparks Pay statements through your Sparks Pay servicing area on M&S.com.

Every month we will send you an email alert to your specified email address to let you know that your latest statement is ready to view online.

You will receive your email statement message 1 day after or on your current statement date.

M&S Bank will never send you emails requesting information about your account, security details, or provide links that go straight to pages that request sign-in details. Emails relating to your account will always include a security check so you can be certain that it's from us.

If you would like to keep a copy of your Sparks Pay statement, there is an option to save a PDF version from the Sparks Pay servicing area on M&S.com. Should you require any changes to the way you receive your statements, please contact us on 0345 900 0900^* and one of our colleagues will be happy to make changes to suit your needs.

If you have an issue with being charged for the same transaction more than once on your Sparks Pay account please call M&S on 0333 014 800 and someone will be able to help you further.

If you have an issue with being charged the wrong amount on your Sparks Pay account please call M&S on 0333 014 800 and someone will be able to help you further.

If you have not received a refund that you were expecting on your Sparks Pay account please call M&S on 0333 014 800 and someone will be able to help you further.

If you have an issue with an order placed on M&S.com, please refer to the M&S help page.

If you would like to keep a copy of your Sparks Pay statement, there is an option to save a PDF version from the Sparks Pay servicing area on M&S.com.

During the application for your Sparks Pay account, we'll have asked you for banking details in order to set up a Direct Debit for repayments. If you'd like to make additional payments you are able to make a faster payment directly from your bank using these details, please use account number: 59001115 and sort code: 40-12-57, and include your 16-digit Sparks Pay account number as a reference.

Alternatively, within your Sparks Pay servicing area, you can select the 'Debit Card Payment' option within the 'Payment' tab.

You can't change your personal details within the servicing area, however we are happy to amend them over the phone for you, please contact us on 0345 900 0900^* to make the necessary changes. Please note that you will also need to update your details on the M&S.com website as well to ensure that your delivery address is accurate. You can do this by going to the 'My Account' settings after you've signed in.

If you have changed your name you will need to contact us. You will need to call us on 0345 900 0900^*. Please note you will also need to update your details on your M&S account, via M&S.com as well to ensure your contact details and delivery address are accurate. You can do this by going to the 'My Account' settings section after you've signed in.

We are happy to amend them over the phone for you, please contact us on 0345 900 0900^* to make the necessary changes. Please note you will also need to update your details on your M&S account, via M&S.com as well to ensure your contact details and delivery address are accurate. You can do this by going to the 'My Account' settings section after you've signed in.

To reset your password for your Sparks Pay account, you would need to follow the steps on M&S.com, clicking on the option for 'forgot password' and follow the necessary steps.