Credit is subject to status. M&S plc acts as a credit broker not a lender, for M&S Credit Card and Sparks Pay.
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Terms & Conditions
Marks and Spencer plc, Waterside House, 35 tNorth 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.
M&S Travel Money is not regulated by the FCA.
We accept balance transfers from most credit or store cards held with other lenders.
