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Make a payment from your current account

You can send payments to us from your current account via your bank using the following details:

• Our sort code (12-60-11)
• Our account number (00080028)
• Use your card number as the payment reference for your bank transfer. This is the 16-digit card number on the front of your card. Please enter the full 16-digits with no spaces. You can also find this number on your statements.

Login to online banking



Set up a Direct Debit

If you’re registered for online banking then you can set up a Direct Debit by:

• Logging into your account. Not already registered? Register here
• Selecting 'My Accounts'
• Selecting 'Account Details'
• And selecting 'Set up a Direct Debit' on the right hand side of the screen.

Alternatively you can contact us and we can set this up for you.

You’ll be able to set up a Direct Debit for the minimum payment, statement balance or fixed amount.

Your Direct Debit can take up to 7 working days to set up.

Until you see your Direct Debit payment date on your statement you should continue to make your credit card payments using another method.

If you have a balance on your account we’ll collect your chosen monthly payment by Direct Debit every month, even if you make additional payments or a credit/refund is applied to your account. If you’ve chosen to pay a fixed amount and the payment would put your account into credit then we’ll only take the amount required to clear the balance.


Make a payment online using your debit card
You can do this using the Credit Card App or Online Banking. To use the app or online banking you’ll need to register. Once your payment is complete, it can take between 1 and 4 days to be processed.
Credit Card App
• Download the app and log in
• Select 'Payments' at the bottom of the screen
• Tap on 'Pay by debit card' under Other ways to pay and follow instructions
   
Online Banking
• First, log in to your online banking
• On the 'My Account' page click on 'Make a payment'
• Enter your debit card details. We only accept Debit Mastercard and VISA Debit
• You'll be asked to select the amount you'd like to pay to your card, you can choose either minimum payment, statement balance, total balance or other amount. Please select one of these options and 'Continue'
• Your own bank may direct you to complete some additional security


Viewing your transactions

This can be done using the Credit Card App or Online Banking. To use the app or online banking you’ll need to register.

Credit Card App

The last 6 months transactions are available in the app

1. Download the app and log in
2. On 'Overview' tap on arrow by Current balance / Available balance
3. Recent transactions are displayed. Swipe right to move back by month

Online Banking

Log in to online banking and the 'My accounts' summary page gives you an overview of your Sainsbury's Bank credit card account. You can also:

• View latest transactions − click on 'Account details' and then the 'Latest transactions' tab
• Search transactions − click on 'Account details' and then the 'Search transactions' tab. From there you can search your transactions, from the previous six months, by choosing the date range you want to veiw.

Your 'available to spend' balance will update immediately when you make a transaction, however, your list of transactions and 'total balance' could take a few days to update depending on when the payment is processed. You should consider this when using your credit card so you don't exceed your limit.



How do I opt out of Confirmation of Payee?

You can request to opt out of CoP. This will mean that when a person or business tries to pay you, and they attempt to check your account details in advance, they’ll get a message that these details can’t be checked.

Although the payment will still go through, we’d recommend staying opted in as CoP aims to make sure payments are going to the right account and reduce instances of fraud. 

If you still want to opt out of CoP, please visit our contact us page to reach out to our team.

We’ll assess any request to opt out of CoP and get back to you within 14 working days. If your request to opt out is successful, we’ll mark all your accounts, including any joint accounts (but not any accounts held by joint parties in their sole name), as opted out of CoP. 



How can I get a refund on my card?

Usually, the quickest and easiest way to get a refund is to go to the retailer first. For a holiday or a trip, this may include the hotel, travel agent or airline. Or for an event this may be the events company or venue. For more guidance on credit card refunds, visit our dedicated refund support page.



How can I check my statement or track my spend?

The easiest way is to register for online banking and download the app.
 

Credit Card App

You'll be able to:

• See your balance
• View up to 6 months of transactions
• Pay your credit card bill
• Check your account summary
• Check your payment date
• Set up, view, change or cancel direct debits
   

Online Banking

You'll be able to:

• View your statements
• View your balance, transactions and payment due date
• Make payments
• Set up, view or change a direct debit
• Request a new credit limit and get an instant decision
• Request to add additional cardholders
• Switch to paperless statements
• Send us a secure message

Login  Register



How can I set up or change a direct debit?

You can set up or change a direct debit by logging into Online Banking. You can also amend a direct debit through our mobile app.

The payment date is a set monthly date, but you can change it by contacting customer support on 08085 40 50 60*.

*Telephone calls may be recorded for security purposes and are monitored for quality control. Calls are free from a landline and from a mobile when calling from the UK.



How long can I collect Nectar points in Sainsbury’s for?

There’s no end date for collecting Nectar points on your Sainsbury’s shopping. All you have to do is pay with your Sainsbury’s Bank Credit Card and you’ll collect 1 Nectar point for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing.

Note not all cards are eligible for points.



How do I activate my credit card?

Register for online banking and your card will be activated automatically.

If you’re already registered for online banking then once you have received your card you can just log in and the card will be activated.



How do I log in to online banking?

Use the button at the top right of your screen 'log in/register' and you'll be asked for your username, password and 6-digit online banking PIN. You will also need to have your mobile phone handy as we may send you a one-time passcode to enter. 

If you are having trouble you can visit our handy log in guide for help, try clearing your cache and cookies or make sure you are using one of the best browsers or operating systems.



Problems with your next payment?

If you don't think you're going to be able to make your next payment then we'd strongly recommend you call our customer payment support team on 0800 085 6934 to discuss your options. Calls to this number are free from landlines and mobiles. Our lines are open: Monday to Friday from 8am to 8pm and from 8am to 4pm on Saturdays.



If I change my mind about something I've bought with my credit card, can I stop the payment?

Your credit card guarantees your payment, so we can't stop an authorised transaction that's been made in a shop, over the phone or on the Internet. You might be entitled to a refund from the shop though, so it’s worth contacting them.
 

If you are disputing a transaction of £24.99 or less, you may be able to do this using our Online Dispute Form.



Can I apply for a Sainsbury's Credit Card?

Thank you for your interest but we are no longer accepting new credit card applications from new or existing customers.  



Can I apply online for a credit card?

Thank you for your interest but we are no longer accepting new credit card applications from new or existing customers.