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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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    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.

    I only want to receive SMS notifications about online transactions

    Slide the toggle “on” for Online Purchase Notifications in the mobile app and you will receive an SMS when you buy anything with your Sainsbury's Bank credit card online.

    Do I need to switch all of the SMS notifications on?

    No, just switch on the ones you are most interested in being notified about.

    How do I switch SMS notifications on/off?

    Log into the mobile app, select Settings from the bottom menu bar and then SMS Notifications. Select the notification type you are interested in and toggle it either on or off.

    Why have I received an SMS notification for £0.00?

    Some merchants send through a message to see if the card details they have received are valid, and this can show as a £0.00 authorisation request. An example of this would be where you save your card details with an online merchant e.g. Amazon.

    If you don’t recognise this then call the Credit Card team immediately on 08085 40 50 60.

    Can I use the app to make a payment?

    You can use the app to make a payment using your debit card, we only accept Mastercard Debit and VISA debit cards. You can choose to pay minimum, statement or other amount. Your own bank may direct you to complete some additional security. Please note the payment can take between 1 and 4 days to be processed.

    You can make a payment from your current account to your credit card. Your bank will need our sort code (12-60-11) and account number (00080028) to set it up for you. Use your Sainsbury’s Bank Credit Card’s 16 digit account number as your reference.

    How will a Direct Debit payment show on my app?

    If you have an existing Direct Debit set up, then this will be shown within the 'Payment' section, under 'Current payment method'.

    Can I cancel my existing Direct Debit via my app?

    Yes, you will be able to do this via the app. Just follow on the onscreen instructions.

    Remember to cancel the Direct Debit with your bank as well.

    How do I provide consent for a Third Party Provider to access my information?

    When on a Third Party Provider site or app, you can choose to give them access to your Sainsbury’s Bank Credit Card account. When you do this, you’ll be directed to the Sainsbury’s Bank secure webpage to enter your online banking log in details, or if installed, the Sainsbury’s Bank Credit Card app to log in, and provide your consent. We will always ask you to confirm your consent before providing a third party with any access to your data. You’ll only have to do this once, then you should be able to see your Sainsbury‘s Bank Credit Card data via the Third Party Provider.

    Do I need to have online banking to use Open Banking?

    Yes, you’ll need to be registered for online banking in order to see your Sainsbury’s Bank Credit Card information through Open Banking with a Third Party Provider.

    Am I sharing my login details with the Third Party Provider?

    No, you will never be asked to share your login details with the third party directly, only via our secure webpage.

    Can I provide consent to more than one Third Party Provider?

    Yes, you can, however you’ll need to provide consent to each provider separately, for each of them to access your data.

    Can I view my accounts with other providers through Sainsbury’s Bank online banking?

    No, this isn’t a service that we provide at the moment; however, we may look to do this in the future.

    How up to date will the Third Party Provider's information be?

    The Third Party Provider should be able to mirror your credit card account balance and transaction information held on Sainsbury’s Bank online banking.

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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