Coronavirus Guidance and Help
We're here to support you
We know you may be concerned about being impacted financially due to coronavirus (COVID-19) and want to reassure you that we’re here to help.
If you have a question, start by reading our guidance and FAQ’s below and remember, the quickest and easiest way to manage your account is by using online banking and our mobile app.
Credit Cards, Loans & Mortgages
If you’re struggling financially due to coronavirus we want to help. We can no longer offer the option to request an emergency payment freeze / deferral but there’s a range of other options we can look at to suit your individual needs. We can work together to agree a plan, please be aware these will affect your credit file and credit rating.
If you fall behind with your monthly payments then you may have to pay extra interest and fees. This will be registered with Credit Reference Agencies and could affect your credit rating
Cards
Please call 0800 085 6934*. We're here Monday to Friday 8am-8pm and Saturday 8am-4pm.
Loans
Please call 0800 056 0565*. We're here Monday to Friday 8am-8pm and Saturday 8am-4pm.
Mortgages
Please call 0800 923 1547*. We’re here Monday to Friday from 8.30am-5.30pm.
Further help managing your finances
There’s lots of information and advice available about managing money and keeping your finances on track. To help you understand how much money you have to pay, it may be useful to work out a budget to help you keep track of your spending and prioritise debt repayments. Moneyhelper.org.uk 
has lots of tools and calculators including a free online budget planner, and a handy Money Navigator Tool . There’s also information on where to get free debt advice.
The FCA also has a section on their website about dealing with financial difficulty during coronavirus at fca.org.uk/consumers/dealing-financial-difficulties-coronavirus .
You can find out more information and how to get further help managing your finances here:
Travel Insurance
If you need to make a claim you should contact your Travel Agent, Tour Operator, Airline or Accommodation provider first, then your credit card provider to see if you would be eligible for a refund. Please use our claim form 
or call 01403 288 421**. You can also visit our coronavirus FAQs.
Travel Restrictions
It is essential that you check the latest FCDO advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.
Stay up-to-date with the latest rules:
Please continue to check our FAQ's regularly which will contain the latest guidance.
Travel Money
We have now reopened a limited number of instore bureaux for currency sales and Western Union transfers, use this handy link to find your nearest. Find a Travel Money Bureau near me.
You can also order currency online at Travel Money and Exchange Rates or by phone to collect in store or for Home Delivery. Delivery fees may apply.
If you need to return currency or contact us, please call our Customer Service team on 0345 355 2463**. Make sure you have your proof of purchase to hand. Lines are open 24 hours a day, 7 days a week (except Christmas Day). Calls are charged at local rates from landline and mobiles.
If you want to make a Western Union transfer, at another agent location, please visit wu.com for details.
Home & Car Insurance
You can visit our coronavirus guidance and help if you have any questions. We appreciate that how you use your car and home may have changed, therefore you can review and update your cover online. In some circumstances this may change the amount you need to pay.
If you’re struggling financially due to coronavirus we want to help. You can talk to us about payment options available to suit your individual needs. You can find out more information and how to get help in our support section. Further help managing your finances.
Life Insurance
If you have a Sainsbury’s Bank Life Insurance policy with us and have any questions, please visit our coronavirus FAQs.
Pet Insurance
If you have a Sainsbury’s Bank Pet Insurance policy with us and have any questions, please visit our coronavirus FAQs .
Avoiding fraud
Be aware that fraudsters may try to take advantage of this situation and attempt to trick you into revealing sensitive personal or financial information. In some cases, they’ll pose as genuine organisations such as banks, police, government or health service providers like the NHS or the World Health Organisation. Remember, these legitimate organisations will never ask you to divulge any sensitive information, like security details, card details, PIN numbers, or online banking login details. And they’ll never ask you to carry out a transaction or move money in to a safe account for protection.
Be wary of suspicious emails or text messages – and never open any attachments. Always be on the lookout for fraud and contact us immediately if you notice unusual activity on your account.
Visit Take Five to find out more information, on how to protect yourself.
*Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.
**Calls are charged at local rates from landline and mobiles.