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What happens if I make a payment before my statement arrives?

If you make a payment before your statement is produced, it'll count as an additional payment towards your previous statement. If that happens, you’ll need to make another payment after your new statement has been produced to make sure that you meet your minimum payment in each payment cycle.



I don't recognise a transaction within the mobile app. What should I do?

Tap on a transaction to see more details. If you still don't recognise it, tap the button to report this to us.



What will I not receive an SMS notification for?

Refunds and payments.



What should I do if I get a notification about a transaction I don't recognise?

Call the credit card team immediately on 08085 40 50 60.



What if I change my mobile number?

Call us on 08085 40 50 60 so we can update our records. The agent will advise you to log into the mobile app, select Settings from the bottom menu bar, and then SMS Notifications – you don’t need to do anything else. This will make sure you keep receiving the SMS notifications you have set up.



What devices are compatible with the app?

The app requires minimum iOS 11 and Android 7.



What happens to my Direct Debit if I make an additional payment towards my credit card?

If you have an existing Direct Debit set up, bear in mind this will still go through on your usual payment date even if you make additional payments. If you wish to change or cancel your Direct Debit please head to the payments section within the app or visit our website.



What if I change my mind, can I withdraw my consent for a Third Party Provider to access my data?

Yes, you can opt out at any time. To do this you need to contact the Third Party Provider that you granted access to, and request that they no longer access your account. If they continue to access your account without following your explicit request to stop access then please contact us.



What are the charges for using my card abroad?

A 2.75% foreign exchange fee may apply every time you use your credit card abroad. Cash advances are also subject to a handling fee of 3% (minimum £3).

Any payment you make abroad will be converted into Sterling at the exchange rate determined by Visa International or Mastercard International depending on which card you have.

You can find out the currency conversion rate for Visa or Mastercard at the below links or by contacting the call centre on 08085 40 50 60.

Visa - http://www.visaeurope.com/en/cardholders/exchange_rates.aspx

MasterCard - https://www.mastercard.com/global/currencyconversion/



What does a credit card do?

A credit card lets you spend money up to a pre-agreed limit, by borrowing money from a bank. You will need to make monthly repayments, which include any interest or fees that are added on top of what you have spent. These fees will be listed on the terms and conditions of your card.



I’m worried about my finances. What should I do?

Check our Cost of Living support page for a variety of resources that you can use to help with your cost of living concerns. If you’re still worried, call us on 08085 40 50 60* to find out what support we may be able to offer you. 

*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. 



Can I use my credit card on the Internet, and is it safe?

You can use your card on any Internet site that accepts Visa or MasterCard. Your connection to the site is secure if the address bar at the top of your Internet browser starts with ‘https’ or shows a little padlock symbol. If you’d like to find out more, take a look at our page on protecting yourself online.



I’ve been using a money management app to view my account for some time. How is Open Banking different?

With Open Banking you will never be required to share your private login details with any provider. Previously with some money management apps you needed to share your log in details with them to allow them to access your account. Going forward, providing consent to a Third Party Provider will be done during your login process so as to keep your log in details safe and secure. You should check that the provider you intend to use is regulated by the Financial Conduct Authority (FCA) or by an equivalent European regulator.



Is my information safe with Open Banking?

With Open Banking, your login details are safe, as you don’t share them with the Third Party Provider. And as part of their registration with the Financial Conduct Authority (FCA), they’re obliged to be careful with your data, and be open and honest about how they’ll use it.

You can check the FCA website to find out whether a firm is registered or authorised to carry out relevant activities in the UK under the Payment Services Regulations 2017.

Certain other types of firms may also provide these services – for instance UK and EU banks and the EEA equivalents of regulated third party providers in the UK.



How do I set up Google Pay?

Adding your Sainsbury’s Bank Credit Card to Google Pay only takes a few moments. The easiest way to do this is by using the Sainsbury's Bank Mobile App and clicking into “Settings”, then following the instructions on screen.

If you aren’t already registered for the Sainsbury's Bank Mobile App you can add your card using the Google Pay app. First, download the Google Pay app from Google Play or the App Store. Then, just follow the instructions in the app. For more detail see instructions 1-5 below. You can also set up Google Pay on the web at wallet.google.com.

To add a card:

1. Download Google Pay from the Google Play Store* and ensure NFC** is switched on
2. Open the Google Pay app on your device
3. Select ‘Payment’ and then '+ Payment Method' to add your card
4. Follow the onscreen instructions, read and accept the terms and conditions
5. Once your card is verified, you are ready to use Google Pay

*Google Pay works on Android devices running Android 5.0 (Lollipop) or higher which support NFC or HCE

**Go to Settings, search NFC, tap and turn on. If you can’t find NFC your phone cannot make contactless payments and cannot be used for Google Pay

Digital Wallet Terms and Conditions can be found here.