How to activate your card

Before you use your M&S Card you’ll need to activate it. Once it's activated you can use it immediately.

Step one: If you haven’t already done so, you'll firstly need to register for My Money Accounts.

Step two: To activate your M&S Credit Card, sign in to My Money Accounts, select 'Activate a card' from the left-hand side navigation on the M&S Credit Card summary page and follow the simple instructions.

Activating an M&S Chargecard or Budgetcard

If you have an M&S Chargecard or Budgetcard, you’ll need to activate it in an M&S store the first time you want to make a purchase. Just let the customer service assistant at the till know that it's the first purchase on your card and they'll be able to help you.