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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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    How can I contact you about my credit card?

    Please use our online service, which is available 24/7 at sainsburysbank.co.uk to manage your account unless your call is essential - for example, if you’re going to miss your next payment.

    You'll find the answers to common questions in our customer support area.

    You can also ask us a question or make a complaint through online banking. Just log in opens in new window or register opens in new window and go to the "Message" section.
     

    Credit card enquiries:
    Lines are open 8am – 8pm, Monday to Friday. 
    8am – 6pm, Saturday to Sunday.
    Phoning from inside the UK 08085 40 50 60 *
    Phoning from outside the UK +44 131 549 8040 *
     
    Online banking helpdesk:

    Bank holiday Opening Hours

    Lines are open 8am – 8pm, Monday to Friday. 
    8am – 6pm, Saturday to Sunday.
    Phoning from inside the UK 08085 40 50 60 *
    Phoning from outside the UK +44 131 549 8040 *

     

    Lost or stolen cards:

    Bank holiday Opening Hours

    Lines are open 24 hours a day, 7 days a week
    Phoning from inside the UK 0800 456 1232 *
    Phoning from outside the UK +44 131 549 8040 *

     

    Complaints:
    Online Log in to online banking opens in new window and send a secure message
    Lines are open 9am – 5pm, Monday to Friday. 
    Phoning from inside the UK 08085 40 50 60 *
    Phoning from outside the UK +44 131 549 8040 *
    Address for written complaints Sainsbury's Bank
    Customer Relations
    PO Box 4952
    Worthing
    BN11 9YW

    How do I use Apple Pay?

    Apple Pay keeps you from having to touch physical buttons or exchange cash when you’re out getting what you need.

    To pay with Face ID, just double-click the side button on your iPhone, glance at your screen, then hold it near the reader.
    With Touch ID, hold your iPhone near the reader with your finger on Touch ID.

    Apple Pay Terms and Conditions can be found here.

    How much cash can I withdraw with my credit card in a day?

    Your withdrawal limit depends on which type of credit card you have, but it’ll be at least £350 a day (subject to local restrictions). You’ll be charged a fee to take cash out with your credit card - this is detailed in your credit card conditions and on our 'Fees, Charges and Interest' page.

    Will I need a passcode when I set up a recurring payment, for example to a TV streaming service?

    Yes, in the future we will need to send you a passcode when you set up a new recurring payment. However this’ll only happen once, at set up, not each time the payment is made. And you’ll not need a passcode for existing recurring payments, though you may need a passcode if you are making changes to these payments.

    Will the mobile app work if I'm abroad?

    The mobile app is designed to be used in the UK. It can work abroad, however different countries will have different regulations. You should always check local laws when travelling abroad in case there are restrictions in place that don't allow the app to work properly. Your mobile operator may charge you for using the mobile app abroad and roaming charges may also apply, so please check with them.

    How do I enable/disable Face ID/Fingerprint ID?

    You can do this at the time of registration or within the Settings section in the app.

    You need to make sure Face/Touch is enabled on your device before setting it in the app.

    Why can't I see my other Sainsbury's Bank products on the app?

    You can only see credit card information on the app for now but development is ongoing and other products may be supported in future releases.

    Can my additional credit cardholder also use the mobile app?

    No, only primary cardholders will be able to use the app, which is the same as for our online banking service.

    How often will the app be updated?

    If your device is set to auto-update it will be updated automatically from time to time. If not, we will prompt you when new updates are available.

    Can I amend the date on which my payments are due?

    You can't change your payment date using the app but you can log into online banking and send us a secure message or give us a call. Please note that due to the date that your credit card statement is produced we may not be able to offer you the exact payment date you request, but we'll make it as close as possible to the date you’d like. Remember, you’ll need to be the principal cardholder to make this change.

    Can I set up a Direct Debit via my mobile app?

    Not in the current version of the mobile app, although this feature is planned for a future release. You can still set up Direct Debits via our online banking.

    You can use the app to change the value of an existing Direct Debit.

    Can I pay with Apple Pay in apps or online?

    Yes – Apple Pay is supported by many websites and apps. You’ll know if an online retailer or app supports Apple Pay as it will be a payment option at checkout.

    I don’t recognise some of the transactions I’ve made via Apple Pay

    Sometimes the name a company uses is different to the name of the shop or service, which can be confusing.

    Searching online for this name could tell you who the money went to.

    If you still don’t recognise the transactions, then get in touch with our Credit Card team on 08085 40 50 60 (00 44 131 459 8040 if calling from outside the UK).

    Lines are open:
    8am-7pm Mon-Fri
    8am-5pm Sat-Sun

    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.

    How does Google Pay work?

    When you use your phone to pay contactless, Google Pay doesn’t send your actual credit card number with your payment. Instead, an encrypted virtual account number is used to represent your info – so your real card details stay safe.

    Can I add more than 1 card for Google Pay to my device?

    Yes, there is no limit.

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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