M&S BANK

Terms & Conditions

Marks and Spencer plc, Waterside House, 35 North Wharf Road, London W2 1NW acts as a credit broker and not a lender. Authorised and regulated by the Financial Conduct Authority (Register no. 718711). Credit is provided subject to status by Marks & Spencer Financial Services plc to UK residents aged 18 or over. We receive a payment from Marks & Spencer Financial Services plc for introducing customers who apply and are approved for credit. The payment is made to cover the costs we incur by offering credit products to our customers and may therefore vary depending on the credit product. It will not affect the amount you pay for credit.

M&S Travel Money is not regulated by the FCA.

*Get up to 76 days interest free on your first order when you pay your balance in full, and up to 45 days for later transactions. We may send you a statement each month, the minimum payment in your first statement will be £0.

**20% off at M&S offer: may be redeemed on your first Eligible Purchase after account opening either online at M&S.com or in a participating UK store (see full offer T&Cs for exclusions). This may include one or more eligible items purchased in a single transaction totalling a maximum value of £500 (after discount), the balance to be paid using Sparks Pay. Eligible items exclude: Brands at M&S, 30% and higher % off offers, Beauty Advent Calendar and Beauty Box offers, Furniture (including furniture delivery and disposal services), stationery, cards and wrap, personalised items, made to order suits, made to order curtains, tailoring alterations, schoolwear, 'Your School Uniform' service, repairs services, name tapes, gift cards/vouchers, food, flowers, beers, wine & spirits, charity items, M&S opticians, sale and clearance items. Offer can be withdrawn at any time. Full T&Cs apply and can be viewed here.

¹Based on £77 worth of M&S vouchers, 32 hot drink vouchers, 9 next day deliveries (not available in some locations e.g. Northern Ireland and Guernsey), points earned from £300 spend abroad in a local currency annually and points earned from an average monthly spend in M&S of £46 on an M&S Credit Card.

²Purchases between £100 and £30,000 are covered by Section 75 protection. If you need to dispute a purchase, having a credit card can be helpful. If there’s an issue with something you bought, you could put a claim into the credit card company to get your money back, under section 75 of the Consumer Credit Act.

³Interest-free periods are determined by your M&S Credit Card terms.

⁴Full Credit Card T&Cs apply apply, see here. Offer can be withdrawn at any time.

⁵Next day delivery. For purchases made online at marksandspencer.com you will be eligible for next day delivery at no extra cost. This will not apply to food, hampers, wine, flowers, furniture and items described as on sale. You need to have a marksandspencer.com account, set up in your name, to enjoy this benefit. Your account will usually be updated to include next day delivery within 6 working days of you opening both Club Rewards and your marksandspencer.com account. Only available to the main Club Rewards member. Your Club Rewards welcome pack will include two one-time promotion codes to use until the benefit is applied to your account. Once set up, each time you order online simply select next/nominated day delivery at checkout, and we'll automatically deduct the cost of delivery when you pay. Subject to availability and Marks and Spencer next day delivery terms and conditions. Visit marksandspencer.com/c/help/delivery for more information. Not available in some locations e.g. Northern Ireland and Guernsey and delivery slots may be limited.

⁶When you pay using your card abroad a fee of 2.99% of the transaction amount in Sterling will apply to any purchase made in a foreign currency.

We accept balance transfers from most credit or store cards held with other lenders.