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From: "M&S Bank" <mandsbank@mail.mandsbank.com>
To: <sue@sarahharvey.com>
Subject: Susan, make your best move, switch your balance and skip the interest
Date: Wed, 05 Aug 2026 04:03:44 -0600
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Marks And Spencer Bank
To reassure you that this email is genuine, here are the last three digits of your postcode 3HA.
Not right?
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCclQFSYIEsrCs68SpieZqVY-sU7btfqzdbFjNzZjD_FmGyumV06i_ZDQauF3PhFsg8vcSRgNJ2l6EjQs7iIN6RKNk0S3qKwdryODw
Please get in touch
Trouble viewing this email?
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View in browser
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcntZsYgzmT0NZpS5Gwb3DqAILpjR-TN0dcTem9nk6isYgQMeUZ9xoSCOujoJyM1NE3ldzlooVCJ6J9mEtWn3IIFWSV702isHQ6aQ
Credit Card
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCco_TR4e0RGdftg4gjCmrlDsjOhfYE3LWE0OfafYlAYaGOlXo4CSFsb_9FSIjlnGFZR0Ey_hvSrpQz88kTVVwXBwvKIWjKawN_xuQ
Loans
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcpj0lQXfMH6trkKbdSsDL-GfwPUrULNenc-jtq6WyzuYacmFICdnTI4ZOcvt8fRKWTI9Z6aw-PPCT8ZUkChV-lQAE6vM4ygtee-g
Savings
Get a better balance with 0.00% on balance transfers for 15 months
Hi Susan we're offering you 0.00% interest on balance transfers made before 31 August 2026, so make your best move and switch your balance. Transfer a credit or store card balance from another provider to your M&S Credit Card and you'll enjoy a rate of 0.00% for 15 months. We will charge you a transfer fee of 3.49% of the total amount you transfer, minimum £5 charge applies.
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcqOft9gHrZFWIZPBiOZUGD6_ojYWcl-W_CRcDTiZijLSZROh3J1h93D_MZ0QvDSKgUSfwtqx4M_sGbMRakyfOl82Rl8BBRuTWbvQ
Transfer a balance online
Don't worry
You're pre-approved for a 0.00% balance transfer, just head over to the M&S Bank app^ and follow the simple instructions. A perfect time to get your finances in order, just make sure you do it before 31 August 2026.
Don't forget…
You must make your minimum payments (or more) on time each month to keep this rate. If you haven't paid off the transfer amount after 15 months, you'll start paying the standard interest rates for balance transfers. You'll see this on your statement.
How to request a balance transfer
Learn more about how you get started with your balance transfer.
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcrsw0ozx-3JnpgTQAc-gK0Zbmblx4PPPke4_QxWh6zWk0z2l_NjpP7prcjB9Wge2WHd39tUPnZAwWzaaWSvjO3n0qhE6L_A-qWsw
Find out more
Stay ahead of phone scams
We'll never call you and ask you to sign into digital banking or read out your OTP (one time passcode) to us over the phone.
If you receive a call out of the blue and the number matches ours this does not always mean the call is genuine.
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcs2qPgsYdYBM6BJEg2WaOA5kXLnqrRmysCY-uLS-IiSLfWfYERAt7-QeAMo7bhp6-dmc8h51_SlV0NfyC6m2nwDW4ZWSDgNhltsA
Find out more
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Contact Us
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcuJoiSCrJbY-F6TtDyvlXNcTG8Rz8HOdWh6CwhWtUQdSU6Bhd6IiOlvhA7n1KTSzcv7hZ8DiGcfk0HQ3eW_RsQaoygmxhkuaFmjg
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Visit our website
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcwb1vIvXxRzveT8ODqm0YDs54jtbMj8Su8XX4GaUL_S3DQkaGIZCqQ3Y1evoKkbRQzDrPqkr2r6keUWhuoyCHUL9x9IomKatTtGw
Accessibility
TERMS AND CONDITIONS
<b>Important information</b>
<br>
When there's a balance transfer available, we will tell you the rate and how long it'll apply from the date of transfer. This rate is available by making a balance transfer during the time period we allow. We assess eligibility for balance transfers periodically, so you could be offered the same rate over more than one time period; or the rate and/or term could vary in the future. We may send you details of any future balance transfer rates. Alternatively, you can check if you have a balance transfer available on your account by signing in to the M&S Bank App.
<br><br>
<b>How is your balance transferred?</b><br>
We accept balance transfers from most credit or store cards held with other lenders. All balance transfers are subject to available credit limit. £100 minimum per balance transfer. Your balance transfer will reach your other card provider by the end of the next working day after you make the request, subject to any additional checks that we may need to do e.g. to establish the request is genuinely from you. If any additional checks are carried out we will treat your request as being made at the time all security checks have been completed and we approve your request. If we receive your balance transfer request after 15:30 or on a non-working day, it will be treated as if it was received by us on the next working day (Monday to Friday).
<br><br>
<b>You won't earn M&S points by transferring a balance</b>
<br>
Unless we tell you otherwise.
<br><br>
<b>The rate is only available on balance transfers and will remain for the period notified at the time of your request.</b>
<br>
As long as you make at least your minimum payments on time. Once your balance transfer period ends, or you lose your balance transfer rate because you're late making your minimum payment in any month, your interest rate will revert to the standard rate stated in your terms and conditions. Where payments received are not sufficient to repay all amounts on your monthly statement, we'll apply your payment first to balances charged at the highest interest rate and then to any lower-rate balances. If you have more than one balance on the same rate, then we'll apply your payment to the oldest amount first. Please continue to pay existing card issuers until you receive their statement showing the balance transfer. Balances cannot be transferred from another M&S account.
<br><br>
<sup>^</sup>The M&S Bank App is available on compatible devices for main cardholders. To be able to use all app features, you'll need to ensure that you are running the latest version of our app. <a href='https://bank.marksandspencer.com/digital-banking/banking-app/supported-devices/?cid=HBEU:cr:OT:CC:NA:2210:001:SupportedDevices' target='_blank' style='color:#000000; text-decoration:underline;'>Find out what operating systems our app supports</a>. We recommend using the most up to date operating system your device can support.
Fraud warning
We maintain strict security standards and procedures to prevent unauthorised access to information about you. M&S Bank will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password or account numbers. To reassure you that this email is genuine, we have included the last three digits of your postcode below. If this is not correct, please
https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcx2uhJGX3Rt6U7nwvTawvyrkJj-OO5YodtiCVwW5QluofC3ou_gbGZJeE8ERMDkZKq82LRYZqZZqi7v1ZImDhZEuOQx6ECqY7i-Q
contact u s.
3HA
Important information
To help us improve our emails, we may monitor your interest in them. We may be able to tell when you’ve opened them, and how you’ve interacted with them. This includes information about how long you spend reading our emails and which links you select. We may also collect technical information about your device and internet connection, and set cookies. We use this information to help us understand how effective our emails are, to improve our communications and send you more relevant information and marketing. We use trusted service providers to help us. For more details, read our
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Privacy Notice . You can ask us to stop using this data for marketing purposes at any time. To make that change,
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Please note that this email was sent from a notification-only address that is unable to accept incoming email. This email is confidential. If you are not the addressee, you may not copy, forward, disclose or otherwise use the information. Please notify the sender immediately and delete this email and all copies from your system. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.
Issued by M&S Bank, a division of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ.
We hope you found this email of interest. If you would rather not receive emails about M&S Bank’s products and services, please
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contact us .
At M&S Bank your privacy is important to us. View our
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<div class="preheader" style="font-size: 1px; display: none !important;">Your new balance transfer offer is here</div>
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<span><div>To reassure you that this email is genuine, here are the last three digits of your postcode 3HA.<br>
Not right? <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCbzBbIvHqK_DEejBGQlQm8sADL3dm97O7FcoB29yL_nCk2uv7ym201tsXwEVt7j5k3wYNMd2lo74BbJ7YliyiP7tqjJ5Gt7hMAp7w" style="color: #000; text-decoration: underline;">Please get in touch</a><br>
Trouble viewing this email? <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb1caZ-3VStPEJqB7txXJOrRbnu5LQGqnIvPfkwtKYBTzwlCcSM2A8UQ7GoWhemnQzRroo5XAzYH8QB2x-q-lQOyVcP3baFEJQCHA" style="color: #000; text-decoration: underline;">View in browser</a></div>
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<a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb3qLAgUs6pMlVExBlRrq0MY5QsmBRRB6Z95cWouffmh_IrnHLmJ-m5z-Sq4PzV4RXQ7EhBV6rZEf_YEUOmfZEd8C8NpEyv-5QcgA" style="color: #000; text-decoration: underline;">Credit Card</a> <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb4AfagyD2wJU-g7dk1DhUbhuLZ60CIY4yUDl8avzzXxywxgwmedvGADI0VfWAs6lqKsJcC8ruhf5QLvobsjI8oeBKzUg7hkkmc_Q" style="color: #000; text-decoration: underline;">Loans</a> <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb69rkhiO9kFxqqtaLq6i1X-U4RZWVdayTTBPX4g2wRlfT7lESjpU7cZ11sfIJr3_m7pj9KPVcF6eC26RlCCrmZ3tvZroe4R-PBJA" style="color: #000; text-decoration: underline;">Savings</a>
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Get a better balance with 0.00% on balance transfers for 15 months
</h2>
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Hi Susan we're offering you 0.00% interest on balance transfers made before 31 August 2026, so make your best move and switch your balance. Transfer a credit or store card balance from another provider to your M&S Credit Card and you'll enjoy a rate of 0.00% for 15 months. We will charge you a transfer fee of 3.49% of the total amount you transfer, minimum £5 charge applies.
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<a class="cta-btn-a-tag" target="_blank" rel="noopener noreferrer" href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb9J21l1Pz3OueaG_B1mvTBoEZmX5Ls8eFzYw4cADY6O1v-T2GAL5GQQlmqM7VyWC6VZB9wMJUxauYSfYZdbD-S-kuljhTQnPIw6g" aria-label="Transfer a balance online Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;">
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<tr>
<th dir="ltr" class="cta-btn cta-btn--primary cta-btn--primary--msBankBrand" style="text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; width: 100%; max-width: 319px; padding: 11px 20px; word-wrap: normal; vertical-align: middle; box-sizing: border-box; text-align: center; font-family: Arial, Helvetica, sans-serif; color: #000000; border: 1px solid #000000; background-color: #000000;" width="100%" valign="middle" align="center" bgcolor="#000000">
<!--[if (mso)|(IE)]> <table style="border: 0; border-spacing: 0; border-collapse: collapse; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 256px;" width="256"><tr><th dir="ltr" style="width: 256px;" width="256"> <a class="cta-btn-a-tag outlook" target="_blank" rel="noopener noreferrer" href="https://bank.marksandspencer.com/credit-card/card-support/how-to-transfer-balance/?cid=EML_MSB_EN_M11544_2&eid=EML_MSB_EN_M11544_2" x-cq-linkchecker="skip" aria-label="Transfer a balance online Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;"> <![endif]-->
<span class="cta-btn--primary__span" style="text-decoration: none; color: #FFFFFF;">Transfer a balance online</span>
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<img src="https://www7.marksandspencer.com/content/dam/wpb/msrf/messages/email/salesforce/marks-and-spencer/side-by-side-hero/21053-bt-emails-marketing-766x768.jpg" width="330" alt style="-ms-interpolation-mode: bicubic; margin: 0; padding: 0; border: 0 none; line-height: 100%; outline: none; text-decoration: none; display: block; width: 100%; max-width: 100%; min-width: 100%; height: auto;" height="auto"/>
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Don't worry
</h3>
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<p style="margin: 0;">
You're pre-approved for a 0.00% balance transfer, just head over to the M&S Bank app^ and follow the simple instructions. A perfect time to get your finances in order, just make sure you do it before 31 August 2026.<br>
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<img class="bullets__icon" width="40" height="40" src="https://www7.marksandspencer.com/content/dam/wpb/msrf/messages/email/salesforce/marks-and-spencer/pictograms-2022/1-1/calendar.png" alt style="-ms-interpolation-mode: bicubic; margin: 0; padding: 0; border: 0 none; line-height: 100%; outline: none; text-decoration: none; max-width: 100%; height: 40px;"/>
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Don't forget…
</h3>
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<td align="left" class="bullets__item-description" style="border-collapse: collapse; mso-line-height-rule: exactly; padding: 0; vertical-align: top; font-size: 16px; font-size: 16px; font-size: 1rem; line-height: 1.5; font-weight: 400; padding-top: 20px; color: #000000;" valign="top">
You must make your minimum payments (or more) on time each month to keep this rate. If you haven't paid off the transfer amount after 15 months, you'll start paying the standard interest rates for balance transfers. You'll see this on your statement.
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<img class="bullets__icon" width="40" height="40" src="https://www7.marksandspencer.com/content/dam/wpb/msrf/messages/email/salesforce/marks-and-spencer/pictograms-2022/1-1/0-percent-balance-transfer.png" alt style="-ms-interpolation-mode: bicubic; margin: 0; padding: 0; border: 0 none; line-height: 100%; outline: none; text-decoration: none; max-width: 100%; height: 40px;"/>
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<td class="bullets__item-title" style="border-collapse: collapse; mso-line-height-rule: exactly; padding: 0; vertical-align: top; color: #000000;" valign="top">
<h3 align="left" style="margin: 0; mso-line-height-rule: exactly; margin-top: 0; margin-bottom: 0; font-size: 23px; font-size: 23px; font-size: 1.4375rem; line-height: 1.3; font-weight: 300;">
How to request a balance transfer
</h3>
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Learn more about how you get started with your balance transfer.
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<!--[if (mso)|(IE)]> </td> </tr> </tbody> </table> <![endif]-->
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<a class="cta-btn-a-tag" target="_blank" rel="noopener noreferrer" href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCb_MQv4Zj6Cukf9EHDeFv5f-rK6n6l6vkhsBzw_Vd_9CfPzfHNpeaEUP9r1-uRGSvIore8zejgulF-wjoCvQw8Dy7pE-nFHq-Bvmw" aria-label="Find out more Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;">
<table class="cta-btn-wrapper-table" role="presentation" style="border: 0; border-spacing: 0; border-collapse: collapse; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; table-layout: fixed; width: auto;" width="auto">
<tr>
<th dir="ltr" class="cta-btn cta-btn--primary cta-btn--primary--msBankBrand" style="text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; width: 100%; max-width: 319px; padding: 11px 20px; word-wrap: normal; vertical-align: middle; box-sizing: border-box; text-align: center; font-family: Arial, Helvetica, sans-serif; color: #000000; border: 1px solid #000000; background-color: #000000;" width="100%" valign="middle" align="center" bgcolor="#000000">
<!--[if (mso)|(IE)]> <table style="border: 0; border-spacing: 0; border-collapse: collapse; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 256px;" width="256"><tr><th dir="ltr" style="width: 256px;" width="256"> <a class="cta-btn-a-tag outlook" target="_blank" rel="noopener noreferrer" href="https://bank.marksandspencer.com/credit-card/card-support/how-to-transfer-balance/?cid=EML_MSB_EN_M11544_2&eid=EML_MSB_EN_M11544_2" x-cq-linkchecker="skip" aria-label="Find out more Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;"> <![endif]-->
<span class="cta-btn--primary__span" style="text-decoration: none; color: #FFFFFF;">Find out more</span>
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<th class="side-by-side-hero-component__content-wrapper side-by-side-hero-component__content-wrapper--bg-ms-bank-brand" style="border-collapse: collapse; mso-line-height-rule: exactly; box-sizing: border-box; vertical-align: middle; padding: 0 45px; width: 50%; background-color: #FFFFFF;" width="50%" valign="middle" bgcolor="#FFFFFF">
<!--[if (mso)|(IE)]><table dir="ltr" class="ghost-table" role="presentation" style="border: 0; border-collapse: unset; mso-table-lspace: 0; mso-table-rspace: 0; border-spacing: 0; margin: 0; padding: 0; width: 100%; border-right: 1px solid #FFFFFF;" width="100%"><tr><td dir="ltr" style="mso-line-height-rule: exactly; padding: 0; vertical-align: top; border-collapse: unset; width: 100%;" width="100%" valign="top"><![endif]-->
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<h1 align="left" style="margin: 0; mso-line-height-rule: exactly; margin-top: 0; margin-bottom: 0; font-size: 28px; font-size: 28px; font-size: 1.75rem; line-height: 1.3; font-weight: 300;">
<span style="color: black">
Stay ahead of phone scams
</span>
</h1>
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<span>
<span style="color: black">
We'll never call you and ask you to sign into digital banking or read out your OTP (one time passcode) to us over the phone.<br>
<br>
If you receive a call out of the blue and the number matches ours this does not always mean the call is genuine.
</span>
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<a class="cta-btn-a-tag" target="_blank" rel="noopener noreferrer" href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcHy5t9JGFluztuZZnBokHrAXw3sHfNJc7iddJ3nlXGJ240dvWadAUc74Rr0CGLKSUBcJun-HlKhcHPO_PWBb2oahHf48OTRm_LwQ" aria-label="Find out more Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;">
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<th dir="ltr" class="cta-btn cta-btn--primary cta-btn--primary--msBankBrand" style="text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; width: 100%; max-width: 319px; padding: 11px 20px; word-wrap: normal; vertical-align: middle; box-sizing: border-box; text-align: center; font-family: Arial, Helvetica, sans-serif; color: #000000; border: 1px solid #000000; background-color: #000000;" width="100%" valign="middle" align="center" bgcolor="#000000">
<!--[if (mso)|(IE)]> <table style="border: 0; border-spacing: 0; border-collapse: collapse; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 256px;" width="256"><tr><th dir="ltr" style="width: 256px;" width="256"> <a class="cta-btn-a-tag outlook" target="_blank" rel="noopener noreferrer" href="https://bank.marksandspencer.com/fraud-and-security/common-scams/?cid=EML_MSB_EN_M11544_2&eid=EML_MSB_EN_M11544_2" x-cq-linkchecker="skip" aria-label="Find out more Opens in new window" style="color: #000000; text-decoration: none; font-weight: normal; line-height: 1.3; font-size: 16px; font-size: 16px; font-size: 1rem; display: inline-block;"> <![endif]-->
<span class="cta-btn--primary__span" style="text-decoration: none; color: #FFFFFF;">Find out more</span>
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<td class="bodycopy__description" style="border-collapse: collapse; mso-line-height-rule: exactly; padding: 0; vertical-align: top; color: #000000;" valign="top">
<a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcKnopnS99esCREcI9FEKVbi8dxLHu_JPT4PsKDBzIu53VrYaRPAH5atJTha_htpNKbgM_hr9CmA_9-e8rb-A0FBE0fYYsI6kE07w" style="color: #000; text-decoration: underline;"><u>Contact Us </u></a><u><a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcN9ULgyyiqxzU3le1FnATZv9dDbyEBStRKSH8J15p3jJqH668Ak_WM6-M_7_eYV9zcbSCK9LLqb0wULKCVvoPf_07Y9PFRiU5KXA" style="color: #000; text-decoration: underline;"></a></u> <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcP1gjKZmYvx2ACSvcsVuKPjHvout7kal-wfqx_Nbiy2cts6Jmubrwp-hxoQjzyrx2cZ7hXUJjcfUytmlKrkmtoLpSpdLSehb5CyQ" style="color: #000; text-decoration: underline;">Visit our website </a>
<a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcRC0E8_RkP2yVnTngJdqFTzmdDYcWNW-c6SwDHKS6Pg-KFBVpjEp2Tbqqm2zNNyoqCmfOIicgoyXOUQU6YSnqOBaNmXtJ3VTwOEA" style="color: #000; text-decoration: underline;">Accessibility</a>
</td>
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<table cellpadding="0" cellspacing="0" width="100%" class="stylingblock-content-wrapper" style="min-width: 100%;"><tr><td class="stylingblock-content-wrapper camarker-inner"> <table dir="ltr" role="presentation" class="footer" style="border: 0; border-spacing: 0; border-collapse: collapse; margin: 0; mso-table-lspace: 0pt; mso-table-rspace: 0pt; width: 100%; z-index: 1; position: relative; max-width: 768px; font-family: Arial, Helvetica, sans-serif; color: #000000;" width="100%">
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<div align="left">
<p style="margin: 0;font-size: 0.875rem;margin-top: 14px;margin-bottom: 0"><strong>TERMS AND CONDITIONS<br>
</strong></p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;"><b>Important information</b>
<br>
When there's a balance transfer available, we will tell you the rate and how long it'll apply from the date of transfer. This rate is available by making a balance transfer during the time period we allow. We assess eligibility for balance transfers periodically, so you could be offered the same rate over more than one time period; or the rate and/or term could vary in the future. We may send you details of any future balance transfer rates. Alternatively, you can check if you have a balance transfer available on your account by signing in to the M&S Bank App.
<br><br>
<b>How is your balance transferred?</b><br>
We accept balance transfers from most credit or store cards held with other lenders. All balance transfers are subject to available credit limit. £100 minimum per balance transfer. Your balance transfer will reach your other card provider by the end of the next working day after you make the request, subject to any additional checks that we may need to do e.g. to establish the request is genuinely from you. If any additional checks are carried out we will treat your request as being made at the time all security checks have been completed and we approve your request. If we receive your balance transfer request after 15:30 or on a non-working day, it will be treated as if it was received by us on the next working day (Monday to Friday).
<br><br>
<b>You won't earn M&S points by transferring a balance</b>
<br>
Unless we tell you otherwise.
<br><br>
<b>The rate is only available on balance transfers and will remain for the period notified at the time of your request.</b>
<br>
As long as you make at least your minimum payments on time. Once your balance transfer period ends, or you lose your balance transfer rate because you're late making your minimum payment in any month, your interest rate will revert to the standard rate stated in your terms and conditions. Where payments received are not sufficient to repay all amounts on your monthly statement, we'll apply your payment first to balances charged at the highest interest rate and then to any lower-rate balances. If you have more than one balance on the same rate, then we'll apply your payment to the oldest amount first. Please continue to pay existing card issuers until you receive their statement showing the balance transfer. Balances cannot be transferred from another M&S account.
<br><br>
<sup>^</sup>The M&S Bank App is available on compatible devices for main cardholders. To be able to use all app features, you'll need to ensure that you are running the latest version of our app. <a href='https://bank.marksandspencer.com/digital-banking/banking-app/supported-devices/?cid=HBEU:cr:OT:CC:NA:2210:001:SupportedDevices' target='_blank' style='color:#000000; text-decoration:underline;'>Find out what operating systems our app supports</a>. We recommend using the most up to date operating system your device can support.<br>
<br>
<strong>Fraud warning</strong><br>
<br>
We maintain strict security standards and procedures to prevent unauthorised access to information about you. M&S Bank will never contact you by email or otherwise to ask you to validate personal information such as your user ID, password or account numbers. To reassure you that this email is genuine, we have included the last three digits of your postcode below. If this is not correct, please <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcYzgtYM2D0cYz9Z1TmcItfqYrqxiq5HL6dblPPjMHwJM17i_LE15TBY5sCht2MZf6ryXTpMh_4IcwiVp5XlaIIw3f0UfoyDmys7A" style="color: #000; text-decoration: underline;">contact u</a>s.<br>
<br>
3HA</p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;"><strong>Important information</strong></p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">To help us improve our emails, we may monitor your interest in them. We may be able to tell when you’ve opened them, and how you’ve interacted with them. This includes information about how long you spend reading our emails and which links you select. We may also collect technical information about your device and internet connection, and set cookies. We use this information to help us understand how effective our emails are, to improve our communications and send you more relevant information and marketing. We use trusted service providers to help us. For more details, read our
<a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcZevMlcdw5O8T2kNa5ZUYFPWzfzxIx6fizuou9D4tdrLQy9Ugqm-by7swJenxTE2B8GKB11QG0kdbnjmNPooftgscYBTpMGe7Elg" style="color: #000; text-decoration: underline;">Privacy Notice</a>. You can ask us to stop using this data for marketing purposes at any time. To make that change, <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcbVZ5FkhZzY_fUPDnVv4qktAowpfZUDsNlGGTk-KrydWE27CkcqkfZOgg-RHsoqMg3P7jfN5DpGpcgKnmbvd8vnH_IChwNEKhNGw" style="color: #000; text-decoration: underline;">contact us</a>.</p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">Please note that this email was sent from a notification-only address that is unable to accept incoming email. This email is confidential. If you are not the addressee, you may not copy, forward, disclose or otherwise use the information. Please notify the sender immediately and delete this email and all copies from your system. Internet communications cannot be guaranteed to be timely, secure, error or virus-free. The sender does not accept liability for any errors or omissions.</p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;"><span>Issued by M&S Bank, a division of HSBC UK Bank plc. M&S is a registered trademark of Marks and Spencer plc and is used under licence. HSBC UK Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 765112). HSBC UK Bank plc is a company incorporated under the laws of England and Wales with company registration number 9928412 and its registered office at 1 Centenary Square, Birmingham, B1 1HQ.</span></p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">We hope you found this email of interest. If you would rather not receive emails about M&S Bank’s products and services, please <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcfxppjLUZEkSfeSPbfSRxTOk_vBKfC7meeGPvuoQ374KLtpGG68MDpkbZGCfH71byralMEES-CM0IayiV18fDvgqk-crGehNj4PEz2lko" style="color: #000; text-decoration: underline;">unsubscribe here</a><span>. Please note, the unsubscribe link on this email will only be active for 28 days. You can also unsubscribe at any time by updating your marketing preferences with us. To make that change, </span><a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCcgye3GPUZ04xrth1bX20xYEn1yH-p52uUeSVv9tGIVFaShTx7m5JoB4SebzTr7-yC_y8YXAdhyIEWRKxGRVVwf3AzRhUauWxKoIg" style="color: #000; text-decoration: underline;">contact us</a><span>.</span></p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">At M&S Bank your privacy is important to us. View our <a href="https://click.mail.mandsbank.com/?qs=ABB7InYiOjEsImQiOjQ5NTl9AAoAAAAAA1saWCciBGG-yTfvrV278478Rr0Tsy39GaSHnyySfIrMW_kQFJ_YSjqtDsC5lEnOYrSbNRAdVeDFNIDFVUsvveF5nP_0hGmwpUUmcVSFJA" style="color: #000; text-decoration: underline;">Privacy Notice here</a>.</p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">© HSBC Group 2026. All rights reserved.</p>
<p style="margin-bottom: 0; margin-top: 14px; font-size: 14px; font-size: 14px; font-size: 0.875rem;">AC69889<br>
<br>
</p>
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