Credit Cards
Customer Support

Manage your credit card

With Sainsbury’s Bank Online Banking, managing your credit card is easy.

Update your details

Moved home or changed your email address? It’s easy to make changes to your account online.

With Online Banking you can:

  • Change your username
  • Change your password
  • Change your email address
  • Change your address

Once you’ve logged in, just select what you want to do from the ‘Make changes’ menu. Once you’ve made your changes you can start to use your new information straight away.

Your address change will take up to seven days. If you’re moving to an address outside the UK, call us on 0500 40 50 60. We’re open Monday to Friday 8am-12am and 8am-6pm at weekends. Calls may be recorded and are free from most landlines.

It’s important to keep your email address up to date. You’ll need it if you forget your password.

   
Having problems? Get in touch

If you are moving to an address outside of the UK, please call our Online Help Desk on 0500 40 50 60*.

*Telephone calls may be recorded for security purposes and monitored under our quality control procedures.

Make a payment

Your monthly statement shows you the minimum payment you must make for that month. There are three ways to make a payment to your credit card:

Online

With Sainsbury’s Bank Online Banking you can make a payment with your debit card or set up a Direct Debit.

With online banking from another bank. You’ll need this information to set up the payment:

  • Our sort code − 12-60-11
  • Our account number − 00080028
  • Your reference number – the long number on the front of your card

Please allow four working days for your payment to reach us.

Direct Debit
If you’re registered with Sainsbury’s Bank Online Banking, you can set up a Direct Debit online. Alternately you can call us on 0500 40 50 60. We’re open Monday to Friday 8am-12am and 8am-6pm at weekends. Calls may be recorded and are free from most landlines.

You can set your Direct Debit for the minimum payment, a fixed payment, your full balance or a percentage of your balance.

Log in to Online Banking

By post
Simply complete the payment slip at the bottom of your statement, and send with your cheque. There are full instructions on your statement. Please allow seven working days for cheque payments.

Important information
When you make a payment, please:

  • Don’t send cash in the post
  • Allow extra time for your payment to reach us during Bank Holiday periods
  • Remember there’s a £12 charge if you do not make at least your minimum monthly payment by the payment due date.

Viewing your transactions

The credit card summary page gives you an overview of your Sainsbury’s Bank credit card account.

  • Your statement − use the ‘previous page’ and ‘next page’ buttons to browse through all the transactions in this statement
  • Recent transactions – shows your transactions since your last statement
  • Previous and Next Statement buttons − let you view any previous statements

Opened an account but can’t view it?
Use the, 'Add Account' function on the Online Banking home page. If you still can’t view your account, call us on 0500 405060.

Transferring balances online

Want to transfer a balance to your Sainsbury’s Bank credit card? Here’s how to do it online.

  1. Select ‘Request a balance transfer’ on the ‘Accounts’ page
  2. Enter the details of up to three cards and the amount you want to transfer from each one
  3. Answer the two security questions

We’ll confirm your balance transfers in writing within a few days and your transfers should be made within ten days. Remember, there’s a fee for balance transfers. Details of charges can be found on your statement with the 'Charges' section or within your terms and condition.

Request a new credit limit

To apply for a higher credit limit you must be the principal cardholder. Just follow these steps:

  1. On the ‘Accounts’ page, select 'Request an increase to your credit limit'
  2. Enter the new credit limit you would like
  3. Answer the two security questions

We’ll write to you within the next seven days about your request.

If you want to reduce your credit limit, call us on 0500 40 50 60.

We won’t consider an increase in your credit limit if you’ve had your card for less than 12 months, or requested a credit limit increase within the previous 12 months. We’ll review your ability to repay before we agree to an increase.

Change your statement and payment date

To change your statement date you must be the principal cardholder. Just follow these steps:

  1. Select 'Change statement date' on your ‘Accounts’ page
  2. Select when you would prefer to receive your statement during the month − week one to week four
  3. Answer the two security questions

We can’t produce statements on a specific date each month but we will try to produce your statement as close as possible to your selection.

Add a cardholder

You can add up to three additional cardholders, but they must be at least 18 years of age. They’ll be able to share your credit limit, but you will be responsible for all their transactions.

To add a cardholder:

  1. Select 'Add an additional cardholder' on your ‘Accounts’ page
  2. Enter their details
  3. Answer the two security questions

We’ll send the new card to you at your home address within ten days.

Set up a Direct Debit

You can set up a Direct Debit online for your minimum monthly payment.

If you want to set up a Direct Debit for your total outstanding balance, a fixed amount, a percentage of your balance, or want to change your Direct Debit payment amount, call us on 0500 40 50 60. If you choose a fixed payment that’s less than your minimum monthly payment, we’ll collect the minimum payment. There’s information about your minimum payment in your statement.

Alternatively, you can complete this Direct Debit Mandate and send it to:

Sainsbury's Bank
Pitreavie Business Park,
Dunfermline
Fife
KY99 4BS

When you complete the Direct Debit Mandate, use these Originator's Identification Numbers:

  • Gold Card – 800316
  • Any other card type - 800293

You’ll need to keep making manual monthly payments until a message appears on your monthly statement telling you that your payments will be collected by Direct Debit. We’ll collect your full monthly payment by Direct Debit every month, even if you make additional payments, or a credit/refund is applied to your account.

Change direct debit details

You can advise us of your new bank/building society account details, or change the amount that you pay.

Change of bank/building society

You can advise us online of your new bank/building society account details, or change the account from which you make payments.

  1. Enter the account number and sort code of your bank/building society account.
  2. Enter the name and address of your bank/building society.
  3. Answer two security questions and click ‘next’.
  4. We’ll contact you as soon as we’ve made these changes.

Change of amount

You can choose to pay your total outstanding balance, a fixed amount, or a percentage of your balance.

The quickest way to do this, is to call us on 0500 40 50 60.  You can also complete this Direct Debit Mandate and send it to:

Sainsbury's Bank
Pitreavie Business Park,
Dunfermline
Fife
KY99 4BS

When you are completing the Direct Debit Mandate, please use the following Originator's Identification Number:

  • Gold Card – 800316
  • Any other Card Type - 800293


We will collect your full  monthly payment using this method, every month, even if you make additional payments, or a credit/refund is applied to your account.

Forgotten your PIN?

Call our Customer Service team on 0500 40 50 60. We’ll post a PIN reminder to you within four working days.
We’re open Monday to Friday 8am-12am and 8am-6pm at weekends. Calls may be recorded and are free from most landlines.

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