Will I still be able to use my credit card in the EU or abroad?

Yes, you’ll still be able to use your credit card anywhere Mastercard or Visa are accepted.

Can I keep my credit card if I leave the UK?

Yes, you can keep your credit card. However once your existing card expires we won’t issue a new one and the balance will need to be repaid. The only exception to this would be if you move to a sanctioned country. In those circumstances we will cancel your credit card immediately.

Will there be any increases to my credit card APR or fees due to Brexit?

We don’t expect changes to your existing APR and fees as a result of Brexit. We review all of our rates and fees on a regular basis. If we do decide to increase or lower any of our charges, we’ll always let you know beforehand.

Will my 0% promotional deal be affected?

We’re not planning to make changes to our products or promotional deals a result of Brexit. If we do need to make a change, we’ll always let you know beforehand.

Will I still receive offers on my credit card?

We will continue with promotional offers following Brexit. For example, 0% Balance Transfers. We’ll be in touch as and when you qualify for any offers.

Will credit card purchases abroad still be protected after Brexit?

We don’t expect the level of protection to be affected by Brexit. However until the final terms of any exit deal are known this is not guaranteed. We will let customers know if there are changes.

What happens after Brexit if I become a victim of Card fraud while I'm abroad in the EU?

Contact us straight away on our overseas help number, +44 131 549 8040. After Brexit you’ll still have the same level of protection against card fraud that you have today.

Can I still make payments to my credit card bill from EU countries?

Yes, you can still make payments to your credit card from overseas

I am an EU citizen living in the UK. Will I still be able to keep my savings account after Brexit?

Yes, your account can remain open and there won’t be any changes to the way your savings account works. If we do need to make a change, we’ll always let you know beforehand.

Is the money in my savings accounts still protected under the Financial Services Compensation Scheme (FSCS)?

Yes, your eligible deposits with Sainsbury's Bank will continue to be protected by the Financial Services Compensation Scheme (FSCS) with a limit of protection of £85,000 per depositor. This limit will be applied to the total of all your accounts held with Sainsbury's Bank. Any deposits you have in excess of £85,000 are unlikely to be protected. In some specific cases, deposits may be excluded from the FSCS protection scheme. The FSCS information sheet and exclusions list (PDF, 145KB) new window provides further details on FSCS protection and the exclusions which may apply. More information about the compensation provided by the FSCS can be found on the FSCS website at www.FSCS.org.uk, and in the FSCS leaflet (PDF, 351KB) new window.

Can I open a savings account if I'm a UK citizen living in the EU?

Our savings accounts are only available to UK residents, unless you are a Crown employee or their partners and you're looking to open an ISA. You must let us know if you are no longer resident in the UK. If this happens, we will ask you to close your savings account. 

What if I live overseas and I haven’t told you?

You must let us know if you are no longer resident in the UK. If this happens, we will ask you to close your savings account.

Will Brexit mean any changes to my savings account with Sainsbury’s Bank?

There are no changes to your savings account and the way in which your account works. We will continue to provide you with the same service and products as we do today.

Am I able to make payments internationally into a Sainsbury’s Bank savings account?

We do not accept payments from overseas accounts by any method of deposit. Any international payment we receive will be returned.

Will Brexit mean any changes to my mortgage with Sainsbury’s Bank?

There are no changes to your mortgage account and the way that your account works. We will continue to provide you with the same service as we do today.

I am an existing mortgage customer and I am looking to move / have moved outside of the UK, but still keeping my UK property. Can I still keep my mortgage open with you? Our mortgages are open to UK Residents only, however in line with your Terms & Conditions, you can apply for a Consent to Let or if you are looking to keep your mortgaged property as your main UK residence please call us on either:

  • From the UK on 0345 111 8020; or
  • From outside the UK on +44 (0)1756 776 395

Our lines are open Monday to Friday 8am – 8pm and Saturday 9am – 1pm. Calls are charged at local rates from landlines and mobiles.

Am I able to make payments internationally into my Sainsbury’s Bank mortgage?

Your monthly payments should be made by Direct Debit from a current account held with a UK based bank or building society. The bank account from which the Direct Debit is made must be in the name of at least one borrower.

I am looking to add a party to my existing mortgage who is a non UK resident/National, can I do this?

You may be able to apply to add someone else onto your mortgage. This will be subject to an assessment and if you’d like to discuss this further please contact us on:

  • From the UK on 0345 111 8020; or
  • From outside the UK on +44 (0)1756 776 395

Our lines are open Monday to Friday 8am – 8pm and Saturday 9am – 1pm. Calls are charged at local rates from landlines and mobiles.

I'm looking to move house, can I port my Sainsbury’s Bank mortgage to a property outside of the UK?

No, our mortgages can only be secured on a UK property.

Can I apply for a new mortgage if I am a UK citizen living within the EU?

Sainsbury’s Bank ceased accepting new mortgage applications in September 2019.

Will Brexit mean any changes to my loan agreement with Sainsbury’s Bank?

There will no impact to you as our loans are only available to UK residents and any direct debit must be from a UK Bank.