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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.

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    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 do I freeze or block my card?

    You can easily freeze or un-freeze your card in the mobile app. Simply go to Settings in the mobile app and select the option to freeze or un-freeze your card.

    How do I activate my card?

    Simply register for Online Banking in order to activate your card. If you’ve already registered, then log into Online Banking and you’re all set.

    If the holiday / travel retailer has confirmed you'll get a refund

    Please wait for this to be processed within 14 days of cancellation. If the 14 day timeline has expired and you’ve not received a refund there are other possible routes for you to claim your money back.

    If you paid for your holiday with your credit card, we may be able to raise a request for you. We may need you to provide information in writing about your booking before we process your request. Or you can submit a travel insurance claim.

    Other refund requests (i.e. for an event this may be the events company or venue)

    You should contact the retailer to check they are still processing your refund. Failing this, we may be able to raise a request for you to claim your money back through your credit card. We may need you to provide information in writing about your booking before we process your request.

    How do I register for online banking?

    To register you’ll need:

    • Your account details – so that’s your credit card number and expiry date. For loans and savings it’s your account number and sort code.
    • Your mobile phone – as we’ll send you a security code to confirm it’s you.

    If you need any help, you can take a look at our step by step guide to registration

    Register now

    I've forgotten my 6-digit online PIN or password

    1. Click on ‘Log in’ in the top right hand corner. Under ‘Cards, Loans & Savings’ select the ‘Log in’ button.
       
    2. Click on ‘I have forgotten my login details’ in the top right hand corner under ‘Help’.
       
    3. You’ll be asked to enter your name, DOB and postcode (if you live overseas then leave your postcode blank). Then click ‘Continue’.
       
    4. From the drop down list, please select if you’d like to reset your online PIN, password or both.
       
    5. We’ll send an authorisation code to your mobile, enter your code and continue to online banking.
       
    6. You can now complete your new details and continue to online banking.

    I've forgotten my online banking username

    1. Click on ‘Log in’ in the top right hand corner. Under ‘Cards, Loans & Savings’ select the ‘Log in’ button.
       
    2. Select ‘I have forgotten my username’ in the top right hand corner under ‘Help’.
       
    3. You’ll be asked to enter your name, DOB and postcode (if you live overseas then leave your postcode blank). Then click ‘Continue’.
       

    Your username will now appear and you can continue to log in.

    How do I get paperless statements?

    If you’re registered for online banking then you can request to get your statement online by:

    1. Logging into your account. Not already registered? Register here
    2. Select ‘My details’ in the top level navigation.
    3. Once in the ‘My details’ page click on ‘Correspondence preferences’ and choose paperless statements.

    How do I view my statement online?

    If you’re registered for online banking then you can view your statement and download a pdf copy by:

    1. Logging into your account. Not already registered? Register here
    2. Selecting 'My Accounts'
    3. Selecting 'Account Details'
    4. Go to the statements tab and you can choose the statement you would like to view.

    How do I add an additional cardholder online?

    If you’re registered for online banking then you can request to add another cardholder by:

    1. Logging into your account. Not already registered? Register here
    2. Selecting 'My Accounts'
    3. Selecting 'Account Details'
    4. And selecting 'Add an additional cardholder' on the right hand side of the screen.

    We'll carry out a credit check on additional cardholders before we can agree to add them to your account.

    How do I add my Sainsbury’s Bank Credit Card to Apple Wallet?

    Open your Sainsbury’s Bank Mobile app, go to settings and click on the “Add to Apple Wallet” button to add your card.

    Alternatively, open the Wallet app on your iPhone and tap the “+” sign to add your card.

    How do I make my Sainsbury’s Bank Credit Card my default card?

    On iPhone, open the Apple Wallet app, touch and hold the Sainsbury’s Bank card and drag the card in front of your other cards.

    For Apple Watch, you need to open the Apple Watch app on your iPhone, scroll down and tap Wallet & Apple Pay.

    Under Transaction Defaults, tap Default Card and then tap the Sainsbury's Bank Credit Card to set it as your default card.

    How to use Apple Pay in stores?

    Apple Pay works anywhere you see an Apple Pay or contactless symbol at checkout.

    For an iPhone with Face ID, just double-click the side button, authenticate with Face ID or your password and hold it near the contactless reader. For an iPhone with Touch ID, rest your finger on Touch ID and hold it near the contactless reader.

    Hold near the reader until you see Done and a checkmark on screen. You don’t need to open the app.

    On Apple Watch, double-click the side button and hold Apple Watch up to the reader.

    Does the contactless card limit apply to Apple Pay?

    It does depend on the retailer, but most places allow you to pay for any amount using Apple Pay.

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Resources

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