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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.



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.



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 



How does the interest rate reduction work?

Providing you are using your card regularly and make all your minimum payments, you may be eligible for a reduction of your Purchase interest rate within the first year of you opening your account.

As set out in our Terms and Conditions and Credit Agreement, we may vary the interest rates applicable to your account for a number of valid reasons, and for any rate increase we'll tell you at least two months before making the change. 

This means that if your rates go up or down, the interest rate reduction you get will be applied to that new higher or lower rate.


How do I add my Everyday Credit Card to my Apple or Google Wallet?
To add your Everyday Credit Card to your iPhone:
1. Open Wallet
2. Tap the +
3. Select ‘Debit or Credit Card'
4. Enter your card's details manually or use your camera to enter the information
To add your Everyday Credit Card to your Android device:
1. Open Google Wallet
2. Tap ‘Add to Wallet’
3. Select ‘Payment card’
4. Choose ‘New credit or debit card’
5. Enter your card details, then tap ‘Save’


If I’m contacted about long-term debt, have I done something wrong?

No, you’re not being contacted because you’ve done anything wrong. As a responsible lender, we aim to better equip customers to pay less overall. It’s up to us to let you know you could pay less over a shorter amount of time. If you stay in long-term debt without taking action, it could result in your card being suspended.



Who should I contact for more help about long-term debt?

We recommend you read all of the information on this page about long-term debt. You can also call us on the following numbers*:

Credit card enquiries
Lines are open 8am - 7pm, Mon - Fri
8am - 5pm, Sat - Sun
Phoning from inside the UK 08085 40 50 60 *
Phoning from outside the UK +44 131 549 8040 *

Online Banking helpdesk
Lines are open 8am - 7pm, Mon - Fri
8am - 5pm, Sat - Sun
Phoning within the UK 08085 40 50 60 *
Phoning from outside the UK +44 131 549 8040 *

*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.


Where can I find more information about managing my finances if I’m in long-term debt?
You can find support on managing your finances at:
Citizens Advice
www.citizensadvice.org.uk/about-us/contact-us/contact-us/contact-us/ 
UK Finance 
UK finance calculator: www.cardcosts.co.uk 
Payplan
Payplan offer an online debt solution tool as well as free live chat and email support.
For loans and credit cards go to www.payplan.com or call 0800 280 2816
Money Helper
Go to www.moneyhelper.org.uk for free:
• Advice and guides to help improve your finances
• Tools and calculators to help you keep track and plan ahead: www.moneyhelper.org.uk/en/everyday-money/budgeting/budget-planner 
• Support in person, over the phone and online
Citizens Advice Bureau
Go to www.citizensadvice.org.uk for plenty of information about how to manage your money and start getting your finances back in shape.
StepChange Debt Charity
Go to www.stepchange.org for free support and advice about practical ways to get on top of your finances.
National Debtline
Go to www.nationaldebtline.org for free information and advice, including their four-step plan for dealing with debt.
Money Advice Scotland
Go to www.moneyadvicescotland.org.uk to be put in touch with a money adviser in your area who can give you free advice and support when it comes to overcoming your money problems.
You might also like to try:
• www.shelter.org.uk for free legal advice and support for homeowners, including how to avoid losing your home
• www.turn2us.org.uk to find out whether you can claim any benefits or other grants to help you if you lose your job or become ill
• www.moneysavingexpert.com for ways to save money and make the most of your income.
FCA warning on unauthorised firms
We would recommend you only use financial firms that are authorised or registered by the FCA as this gives you greater protection. You can find information from the FCA about unauthorised firms at the links below.
• https://www.fca.org.uk/news/warnings/debt-help 
• https://www.fca.org.uk/news/warnings/money-advice-help


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.



Request 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.

Subject to available credit you can:

• Request a balance transfer of up to 95% of your available credit
• Request a balance transfer of a minimum of £100

Alternatively you can contact us to request a balance transfer.

If you requested your balance transfer when you applied for your credit card, you need to activate your card before we can complete the transfer. You can activate your card using online banking. Not already registered for online banking? Head to sainsburysbank.co.uk/register. Once you’ve registered your card will automatically activate.

There are a few places that we can’t accept balance transfers from. This includes some credit and store cards, Sainsbury’s Bank credit cards, loan companies and bank accounts. All transfers are subject to our approval and we may need to call you for more information before proceeding.

Once approved, your balance transfer(s) should be received by the next working day, although it may take longer if we need to do further validation checks. Please continue to make payments to your existing card issuer(s) if required.



Request a money transfer

You can call us on 08085 40 50 60* to request a money transfer. We're here 8am-8pm Mon-Fri and 8am-6pm Sat & Sun.

You’ll need your Sainsbury's Bank credit card number before you can request to transfer a balance to your current account. Both accounts need to be held in the name of the primary card holder.

*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.



Make a payment using our automated telephone system

Call 08085 40 50 60 and select Option 2 (Cards), select Option 1 – say or key in your 16 digit card number, your date of birth and your expiry date. Then select Option 2 (make a payment). You can then make your payment by following the instructions in the telephony automated system.



Pay by cheque

You can post a cheque and your bank giro credit slip from the bottom of your statement to Sainsbury’s Bank Credit Cards, PO Box 5166, Worthing, BN11 9GY. Please allow extra time for your payment to reach us during Bank Holiday periods and remember there’s a £12 charge if you don’t make at least your minimum monthly payment by the payment due date.



Request a new credit limit

If you’re registered for online banking then you can ask to change your credit limit by:

• Logging into your account. Not already registered? Register here
• Selecting 'My Accounts'
• Selecting 'Account Details'
• And selecting 'Change my credit limit' on the right hand side of the screen.

You’ll be able to request an increase or decrease to your limit and you'll get an instant decision.

We won’t consider an increase in your credit limit if you’ve had your card for less than 6 months, or had a credit limit change within the previous 6 months. We’ll review your ability to repay before we agree to an increase.