Sparks Pay is a new way to pay at M&S. As a Sparks customer, you can apply for credit of up to £500 with up to 76 interest-free (on your first order, when you pay your balance in full and up to 45 days for later transactions). Sparks Pay can be used online and in store at participating UK M&S stores, marksandspencer.com and the M&S app.

Simply follow the ‘Apply now’ links on the M&S website. We’ll let you know if you’ve been successful straight away.

After your successful application, we’ll add Sparks Pay to your payment methods within your Sparks account so you can use it whenever you check out online. To use Sparks Pay in store, you need to bind your Sparks Pay account to the M&S app following these 3 easy steps:

Simply follow the above three step process to re-bind your device and continue using Sparks Pay in store.

Yes – Sparks Pay is only available to Sparks customers. If you’re not currently registered with Sparks, we’ll sign you up when you apply for your Sparks Pay account.

Sparks Pay can be used for online and in store purchases at UK M&S participating stores, on marksandspencer.com and the M&S app. Sparks Pay is currently unavailable in BP petrol stations and our international stores, including those in the Republic of Ireland and the Channel Islands, and some M&S stores in hospitals and railways.

If you have any general queries about your Sparks Pay account, or experience any problems when using it online, please contact our M&S Bank support team on 0345 900 0900. If you have problems with accessing your Sparks Pay information via your M&S account or generating your QR code to spend in store, please head to our ‘Help & Contact Us’ page on the website Help & Support | M&S (marksandspencer.com).

If you pay for your items using Sparks Pay, there’s no need to also scan your Sparks card in the same transaction. Once you scan your Sparks Pay QR code, our system will recognise you as a Sparks customer and apply any offers or discounts you’re eligible for.

When you apply for Sparks Pay, you’ll be asked to set up a direct debit mandate. During the application process, you can choose to either pay off the full balance or the minimum payment each month. You can make additional payments each month by standing order or using your own bank’s internet, mobile or telephone banking (more information is available on the reverse of your statement)

Unfortunately, gift cards and e-gift cards are currently excluded from Sparks Pay.

Sparks Pay cannot be used on the Ocado website. You can use Sparks Pay at participating UK stores, at marksandspencer.com or the M&S app.

Sparks Pay is only available for one account holder and no additional account holders are permitted.

Sparks Pay provides a way to pay digitally therefore there is no need for a plastic card to be issued for this account. After opening a Sparks Pay account, you will find the option to pay with Sparks Pay at the checkout.

You don’t earn any Loyalty points on any transaction made with your Sparks Pay account.

You can view your Sparks account number by double-clicking the QR code visual in the Sparks section of your account.

Yes, it will, but you will also need to update your details on your marksandspencer.com account, via marksandspencer.com as well to ensure your contact details and delivery address are accurate. You can do this by going to the 'My Account' section after you've signed in.

You can't change your personal details within the servicing hub; however, M&S Bank are happy to amend them over the phone for you, please contact them on 0345 900 0900 to make the necessary changes. Please note You will also need to update your details on your marksandspencer.com 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' section after you've signed in.

The servicing area for Sparks Pay 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.

Should you require any changes to the way you receive your statements, please contact M&S Bank on 0345 900 0900.

To log in via marksandspencer.com, you can select ‘Sparks Pay’ from the My Account menu. To log in via the M&S App, you can find ‘Sparks Pay’ within your account information page.

If you have forgotten your email/password, you will need to follow the steps on the M&S.com website to correct this and log in. For extra security, Sparks Pay customers have 2-Factor Authentication enabled on your account. Occasionally to keep your account safe, you may be required to follow extra If you have forgotten your email/password, you will need to follow the steps on the M&S.com website to correct this and log in. For extra security, Sparks Pay customers have 2-Factor Authentication enabled on your account. Occasionally to keep your account safe, you may be required to follow extra security checks as you log in. When this happens, you will be sent an SMS pin to your mobile number to enter on screen. Please follow the steps shown on your mobile screen. If you have received a message on your Sparks Pay servicing area to contact M&S Bank, please give them a call on 0345 900 0900 and one of our colleagues will be happy to help. checks as you log in. When this happens, you will be sent an SMS pin to your mobile number to enter on screen. Please follow the steps shown on your mobile screen. If you have received a message on your Sparks Pay servicing area to contact M&S Bank, please give them a call on 0345 900 0900 and one of our colleagues will be happy to help. If you have problems with accessing your Sparks Pay information via your M&S account or generating your QR code to spend in store, please head to our ‘Help & Contact Us’ page on the website Help & Support | M&S (marksandspencer.com).

You may not have enough credit available on your Sparks Pay account, please check your balance to see how much credit you have available and that your basket amount doesn't exceed this. Please note, some products, including gift cards, cannot be purchased using Sparks Pay. Please contact M&S Bank Customer Services team on 0345 900 0900 if the above is not relevant and you're still having issues.

If you have already closed your Sparks Pay account, then you will no longer have access to the associated servicing area. If you have any queries regarding your closed account, please contact M&S Bank Customer Services team on 0345 900 0900.

Your Sparks Pay account can only be used to complete retail purchases on marksandspencer.com, you are not able to purchase Travel Money with this product.

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: Sparks Pay 40-12-57 59001115 Please make sure to use your Sparks Pay account number as the reference for the payment.Alternatively, within your Sparks Pay servicing hub, you can select the ‘Debit Card Payment’ option within the ‘Payment’ tab.

Please contact M&S Bank on 0345 900 0900 and they will be happy to look into this for you.

If you have a complaint about your Sparks Pay account, please contact M&S Bank on 0345 900 0900. If, however, the complaint is with the goods you have purchased with your account, please contact us via our ‘Contact Us’ page on marksandspencer.com.