first direct vs M&S Bank

Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

Manage your accounts safely and securely with the M&S Bank app. With a range of helpful features, it’s a convenient way to keep track of your M&S Credit Card, Everyday Savings Account and Personal Loan anytime. With the M&S Bank app you can: • Sign in securely with face or fingerprint recognition • Make payments to your account • Freeze your card or report a card issue • Request a change to your credit limit • View your credit card PIN • ‘Chat with us’ anytime and get notifications when we send a reply • Request a Balance Transfer (subject to available offer) • View and download your statements • Activate your new credit card How to sign in to mobile banking If you’ve not registered for our app download from the App Store and follow the step-by-step instructions. If you’re already registered for Online Banking, you’ll need your username and password to set up our app. Important things to know (the legal/official bit) This app is designed for use in the United Kingdom (UK). The products and services represented within this App are intended for UK customers. This app is provided by M&S Bank (a division of HSBC UK plc) for the use of existing customers of M&S Bank. Please do not download this app if you are not an existing customer of M&S Bank. HSBC UK plc is authorised in the UK by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. If you are outside of the UK, we may not be authorised to offer or provide you with the products and services available through this App in the country or region you are located or resident in. This App is not intended for distribution, download or use by any person in any jurisdiction, country or region where the distribution, download or use of this material is restricted and would not be permitted by law or regulation.