M&S Bank Contact Number

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0843 903 3778

About M&S Bank Credit Card

Marks and Spencer had always strived to be more than just a regular supermarket. While a lot of supermarkets sold clothes along with their groceries, very few were able to provide such an extensive selection of clothing as Marks and Spencer. The M&S clothing range is on par with the clothing ranges provided by most clothing retailers. Not only are M&S in a unique position when it comes to the selection of products that they provide, but also in regards to the quality of their products. Marks and Spencer has become synonymous with high quality. In keeping with their trend of offering more and more and of offering nothing but the highest quality products, Marks and Spencer also started offering financial services through the M&S Bank, including the M&S Bank Credit Card.

When it comes to financial services, people want a business they can trust. If somebody has been buying their groceries at M&S for years then they’re going to know that they can definitely trust them, especially if they’ve also been using them to keep their wardrobe stocked! So it’s easy to understand how a lot of people find the M&S Bank Credut Card to be quite an appealing option There are even two special introductory offers designed to make it even more appealing for those who have considered an M&S Bank Credit Card, but have been unable to make a decision. Check out the details of those introductory offers below.

Shopping Plus Offer

The first of the two introductory offers for the M&S Bank Credit Card is the Shopping Plus Offer which is ideal for those who enjoy doing a lot of shopping on a regular basis. Here’s a list of perks which this offer provides:

  • 0% on Shopping for 25 Months: Helping you to do your “big shops” without having to worry too much about the costs.
  • 0% on Balance Transfers for 25 Months: This is available for 90 days from account opening. It is worth keeping in mind that a 2.9% fee applies and that there is a minimum of £5.
  • M&S Points When You Shop: With this offer, you’ll earn M&S points every time you shop. As these points have a lot of uses, this could be very appealing indeed.
  • Representative 18.9% APR Variable: Which is a rather generous offer.
  • Bonus Points: A bonus points voucher containing 500 M&S Points (worth £5) will be sent to you along with your new credit card.
  • Up to 55 Days of Interest Free Credit: A rather generous offer for anybody who worries about overspending.
  • Travel Money Made Easy: If you use your M&S Bank Credit Card to order M&S Travel Money, you’ll be given preferential rates. This might be very appealing to those who travel frequently.
  • Additional Cards: If you have somebody over the age of 18 who you’d like to add to as an additional cardholder, you can do so and you can do so -they will then gain all the same benefits from their additional card as you do from your own.
  • Online Account Management: It’s very easy to keep up with how much you’re spending and how much you’ve got, due to the online account management system provided by M&S Bank.

As you can see, M&S Bank provide several benefits to help make this an attractive introductory offer. If you don’t feel like this is quite appealing enough to you, you might like to take a look over the Transfer Plus Offer to see whether that one might be betters suited to your needs.

Transfer Plus Offer

This is their second introductory offer. If you’d like to take a look over the benefits that this option provides you with, check out this handy list:

  • 0% on Balance Transfers for 30 Months: This is available for 90 days from the opening of the account. A 0.99% fee applies and there is a minimum of £5.
  • 0% on Shopping for 6 Months: An additional bonus which helps you to shop with complete peace of mind.
  • Earn Bonus Points Every Time You Shop: You will gain one point for every £1 you spend in  Marks and Spencer and one point for every £5 you spend anywhere else.
  • Up to 55 Days Interest Free Credit: An offer also available with the Shopping Plus Offer and one which can put to rest the concerns of anybody who is worried about spending too much.
  • Competitive Rates: The M&S Bank Credit Card provides a representative18.9% APR.
  • Affordable Travel Money: Another perk shared by both offers is that you will gain access to preferential rates when you use your card to order M&S Travel Money.
  • Additional Cards: If there is anybody you know over the age of 18 who you would like to add as an additional card holder, you can do so, giving them access to all of the same perks as you.
  • Online Account Management: As all of your funds for this account can be easily be managed online, you never need to worry about being unclear about how much you’ve got and how much you’re spending.

The Transfer Plus Offer and the Shopping Plus Offer both focus on slightly different things and you need to look over the particulars of both of them in order to help yourself to decide which one is best for you. Making sure to consider the options is important, but once you’ve made the decision your M&S Bank Credit Card could be really beneficial to you as well as helping you to improve your credit rating.

Call M&S Bank Direct

Contact M&S Bank

If you need to get in touch with M&S Bank for any reason, then you can use the contact details below in order to reach them.

M&S Bank Telephone Number

If you think that it would be easier for you to speak directly with somebody on the M&S Bank Credit Card customer services team, you can do so by calling the numbers below:

Department Number Hours
Sales/Applications 0843 903 3778 Mon-Fri: 8 a.m. to 9 p.m.

Saturday: 8 a.m. to 8 p.m.

Sunday: 10 a.m. to 6 p.m.

Lost/Stolen Cards 0345 900 0900 24 hours a day, 7 days a week
Lost/Stolen Cards (International Number) +44 (0)1244 879080 24 hours a day, 7 days a week
Customer Services and Complaints 0345 900 0900 24 hours a day, 7 days a week
Card Security Team 0345 602 1568 Mon-Sat: 8 a.m. to 9 p.m.

Sunday: 9 a.m. to 9 p.m.

Textphone 0345 300 1815 24 hours a day, 7 days a week

That should just about cover all the common types of customer enquiry. If you’re not sure which of the numbers you should be calling for your particular query, you should probably just call the customer services line. The M&S Bank Credit Card customer services team will be happy to point you in the right direction if they are unable to resolve your issue themselves. If calling in regards to something specifically connected to your account, make sure that you don’t forget to have all of your details ready to hand, just in case they’ll need them at any point.

M&S Bank Credit Card Contact Address

If you have a query about the M&S Bank Credit Card and would like to contact them in writing, you can send any letters to the following address:

Cards & Loyalty Department,

M&S Bank,

Kings Meadow,


CH99 9LZ

It’s important with all pieces of written correspondence that you remember to include as many details about your enquiry as possible. It is especially important that you do not forget to send them your contact details, as without these it is possible that they would be totally unable to respond. But, generally, including a lot of information is important because if they need some details from you, but you haven’t provided them, they’ll just contact you again asking for them, when in that space of time they could have otherwise answered your query.

M&S Bank Contact Email

If you’d like to contact M&S Bank in writing, but don’t want to go to the effort of sending them a letter, then you might wish to send them an email instead. While they do not provide an email address for customers to use to reach them, they do provide a simple enquiry form. If you have any reason to get in touch with M&S Bank, this could be the path to take. All you need to do is enter a few details about yourself and the nature of your enquiry and then you can write whatever you like. Once you’ve sent it off, you will probably have to wait a few days before you get any reply, but they endeavour to respond to customers ASAP.

Secure Messaging

If you’d like to make a private enquiry and you already have an M&S Bank Credit Card, then you can do this through your account on their website. When you are logged in, you will see an option that says “My Messages” and if you click this, it will allow you to communicate with M&S Bank via the most secure means possible. If you have delicate information which you need to convey to them, you might like to do this in order to completely put your mind at easy.

M&S Bank on Social Media

If you would be interested in following M&S Bank on social media, then you might like to check out their:

  • M&S Bank on Twitter: While this account is not exclusively focused on the M&S Bank Credit Card, it will still prove to be a very useful resource. This Twitter account was specifically created in order to answer queries from customers, so if you’ve got a quick question about the M&S Bank Credit Card then you might like to tweet it to them here.
  • M&S Bank on Facebook: This account provides you with a useful resource for all updates and new pieces of information about M&S Bank – it’s worth liking the page regardless of which of the M&S Bank services you are using.

Useful Links

If you would like to find out a little bit more about M&S Bank and the M&S Bank Credit Card, then the following links will be able to provide you with additional information:

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