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IMPORTANT INFORMATION

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

Your journey to NatWest

As of 1 May 2025, NatWest are now the legal owners of certain credit card accounts.

If you are an existing customer, there will be no immediate change to how you use and access your account(s).

You’ll find more information about the journey to NatWest on our dedicated webpage.

If you need any further information about credit cards, please refer to Frequently Asked Questions.

Credit cards support

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    Where can I find more information about managing my finances if I'm in Persistent Debt?

    There’s a lot of information and advice available about managing money and keeping your finances on track. You can go to citizensadvice.org.uk; moneyadvicetrust.org or moneyhelper.org.uk. You can also contact StepChange Debt Charity on 0800 138 1111. These are just a few examples of organisations that offer confidential, unbiased free advice.

    If you’re having difficulty paying your credit card balance, please call us on 08085 405060 and we can talk about ways to help you.

    How much should I pay each month if I'm in a Persistent Debt position?

    Although we can’t give you an exact amount, if you can increase your current monthly repayment, it’ll take you less time to fully repay your balance as you’ll be paying less interest each month. Paying as much as you can above the minimum payment amount every month can have a significant effect on the length of time it takes to repay your debt and the amount of interest you will pay. You can find the minimum payment on the front page of your statement each month.

    To find more information about different repayment scenarios and how long it will take you to repay your balance in various scenarios, how much interest you might pay and how much you could save by paying more than the minimum each month, go to cardcosts.org.uk. There you will find an independent calculator provided by UK Finance.

    How can I make my payments if I'm in a Persistent Debt position?

    You can choose to pay in any of the ways listed below.

    For instance you can set up a Direct Debit or Standing Order to make a regular payment towards the outstanding balance. If you already have a Direct Debit or Standing Order in place, you could increase the amount you pay each month. If you have only been making minimum payments so far, we’d encourage you to do this now if you can.

    Alternatively you can:

    • Log in to our online service and select Make a Payment
    • Make a payment from your current account
    • Send us a cheque or
    • Use our automated telephony service

    Unless you are paying by Direct Debit or Standing Order, you needn’t stick to the same payment method each month. You could choose to make your payment (or any additional amount) in any of the ways listed above.

    How do I get the mobile app?

    You can download our mobile app from the App Store or on Google Play. We don't charge you for mobile banking but your network operator may charge for certain services (such as downloading or using the app) so please check with them.

    Can I download the app on more than one device?

    Yes, the mobile app can be used on more than one device.

    Do I need to have online banking to be able to use the app?

    Yes, you need to be registered for online banking before you can use the app.

    Will I need a one time passcode to access the app?

    We will need to send you a one time passcode (OTP) when you register for the app. The OTP will be sent to the mobile number that you have registered for online banking.

    How do I change my username, password or online banking PIN?

    Just log in to sainsburysbank.co.uk and follow the instructions to change your username, password or PIN.

    Can I get a credit card PIN reminder within the mobile app?

    If you don’t know or have forgotten your credit card PIN, you can now view it securely within the Sainsbury’s Bank Credit Card app. Once you’ve downloaded and logged into the app, go to Settings and tap ‘View card PIN’ and your PIN will be displayed. Please make sure you keep it safe from the view of others.

    Can I access my statements within the mobile app?

    You can view monthly summaries on the app. If you want to view your full or previous credit card statements, please log onto sainsburysbank.co.uk and follow the instructions.

    Can I see the promotional offer on my account?

    Yes, select 'Current Promotional Rates' on the app main screen. You'll see them if you have a balance. Standard rates can be found on your statements. Please log onto sainsburysbank.co.uk and follow the instructions.

    How far back can I view transactions on the app?

    You can view 6 months’ worth of transactions on the app. If you want to see more, or view your full/previous credit card statements, please log onto sainsburysbank.co.uk and follow the instructions.

    If I have all 3 notification types switched on will I receive a SMS for each?

    No, we’ll roll them up and only ever send you one SMS.

    How do SMS notifications work for additional cardholders?

    The primary cardholder will not receive SMS notifications for any spend made by an additional cardholder. Additional cardholders will not be able to receive notifications on their own device.

    Will I receive SMS notifications 24/7?

    Yes, we’ll send an SMS as soon as the transaction has taken place.

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Resources

  1. Credit Card App

    If you're a Sainsbury's Bank Credit Card customer, register for online banking and download the Sainsbury's Bank Credit Card App to gain easy access to your account.

  2. Balance and Money Transfers

    Requesting a Balance or Money Transfer for your Sainsbury’s Bank Credit Card.

  3. Credit Card Guides

    Helpful guides.

  4. Fees, Charges and Interest

    For some transactions and in some circumstances you’ll have to pay a fee, charge or interest.

  5. Introduction to credit cards

    Credit cards can help you transfer existing credit card debts, as well as pay for big purchases, bills, or day-to-day spending. It’s important to get to grips with how credit cards work, to help you stay in control of your finances and so you don’t spend more than you can afford to pay back.

Credit cards help and support

Managing your credit card

Everything, from making a payment online to updating your details – it’s all here.

General FAQs

Answers to questions about your Sainsbury’s Bank Credit Card and Nectar - including linking your account.

Credit Card Refunds

Our full guidance on credit card refunds and what to do before getting in touch with us.

Online account FAQs

All about registering for online banking, passwords, PINs and transfers.

Fees, charges and interest

How they work, and how you can avoid fees and charges.

Using your credit card abroad

What you need to know when using your card outside the UK.

Managing your debt

If you need help managing or repaying your debt, we can help.

Apple Pay

How to add your card and use Apple Pay on your mobile device.

Google Pay

How to add your card and use Google Pay on your mobile device.

Credit Card App

How to get the Credit Card App to make it even easier to manage your finances.

Open Banking FAQs

View your payment accounts from different banks or building societies in one place.

Cost of living

Help and advice on dealing with the cost of living increases.

Your top credit card questions

Applying for a balance transfer

If you’re registered for online banking then you can request a balance transfer by:

  1. Logging in to your account. Not already registered? Register here.
  2. Land on 'My Accounts'.
  3. Select 'Account Details' for your credit card account.
  4. Then select 'Request a balance transfer' from the list of links on the right hand side of the screen or at the bottom of the page if you’re using a mobile phone.

Log in 

Alternatively you can call us between 8am and 8pm, Mon-Fri and 8am and 6pm Sat-Sun on 08085 40 50 60*, select Option 2 (Cards), followed by Option 1.

Checking your balance

You can do this using the Credit Card App or Online Banking. To use the app or online banking you’ll need to register.

Credit Card App

  • Download the app and log in
  • Your balance is on the main screen after you've logged in

Online Banking

  • Log in to your online banking
  • Your current balance can be found under the 'My Accounts' tab

Be aware that your balance will exclude pending transactions which can take up to 24 hours to show.

Alternatively, contact us and select Option 2 (Cards), followed by Option 1 – say or key in your 16 digit card number, your date of birth and your expiry date. You can then check your balance.

Understanding your transactions

'Your credit card transactions' are on page 3 of your statement and details all the transactions made on your card since your last statement. You can view your statement online via the Credit Card App or Online Banking. To use these 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

  1. Log in to your account.
  2. Land on 'My Accounts'.
  3. Select 'View statements' for your credit card account.
  4. Then select the statement you would like to view. Your most recent statement will be at the top of the list.

Log in 

If a transaction appears on your credit card statement that you do not recognise, please call us immediately on 0800 032 1427 from the UK or +44 131 549 8040 from abroad. Lines are open 24 hours a day, 7 days a week. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.

Reporting your card as lost or stolen

If your credit card has been lost or stolen you should call us on 0800 456 1232 as soon as you can and we'll send a replacement card to you.

If you're abroad when your card is lost or stolen, you should call us on +44 131 549 8040. You can ask us to send you an emergency cash advance if you need cash. We can send you up to $1,000 (or the local currency equivalent) within 48 hours.

Our lines are open 24 hours a day. Be aware that calls may be recorded for security purposes and monitored under our quality control procedures. Calls to 0800 numbers are free from a landline and from a mobile when calling from the UK.

Changing your direct debit details

You can do this using the Credit Card App or Online Banking. To use the app or online banking you'll need to register  .

Credit card app

  1. Download the app and log in.
  2. Select 'Payments' at the bottom of the screen.
  3. Tap on 'Upcoming Direct Debit' and here you can 'Edit Direct Debit' or 'Cancel Direct Debit'. Just tap on the relevant option.

Online banking

If you’re registered for online banking then you can view or change your Direct Debit amount (either minimum monthly payment or full balance) or bank details by:

  1. Log in to your account.
  2. Land on 'My Accounts'.
  3. Selecting 'Account Details' for your credit card account.
  4. And selecting 'Manage my Direct Debit' on the right hand side of the screen.

Log in 

Making a payment

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

  1. Download the app and log in.
  2. Select 'Payments' at the bottom of the screen.
  3. Options to make a payment are in the 'Other ways to pay'.

Online banking

  1. Log in to your account
  2. Land on 'My Accounts'.
  3. Select 'Make a payment' for your credit card account.

Log in