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Can I pay with Google Pay in apps or online?

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



I don't recognise some of the transactions I’ve made via Google 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 44 131 549 8040 if calling from outside of the UK).

Lines are open:
8am–8pm, Mon–Fri
8am–6pm, 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 many credit cards can you have?
There is no legal limit to the number of credit cards you can have. It’s all up to the discretion of the card issuer, if they want to approve you for multiple credit cards.  As an issuer, Sainsbury’s Bank doesn’t allow customers to hold multiple Sainsbury’s Bank credit cards.
Having multiple credit cards has advantages and disadvantages.
Holding several credit cards could:
• Improve your credit score, if you make repayments on time each month, as this can demonstrate to your lender that you are a reliable person to lend to.
• Help you manage your spending on different things. For example, having one card for shopping purchases, another for using abroad etc.
However, having multiple credit cards may:
• Make it difficult to track the different payments you need to make each month, which can become confusing if you don’t monitor this regularly.
• Mean you may be denied credit, particularly if you currently have a lot of credit because of the multiple credit cards you hold. This could affect any new credit applications you make.


Can I use my credit card for cash withdrawals?

Yes, you can use a credit card for cash withdrawals, but you may be charged a transaction fee to do so. Most credit cards also charge interest for cash withdrawals, and some will charge this from the point of transaction, unlike most other purchases where interest is only charged if you haven’t paid in full by your due date. Generally, you should try to avoid withdrawing too much cash on your credit card as it can be expensive and impact your credit score.



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.



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 



How do I increase my minimum payment?

You can do this in several ways:

Online Payment
You can make a payment towards your balance anytime through our credit card app or online banking. You'll need to register to use the app or online banking. Once your online 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. Not registered yet? Register here.
2. Click on 'My Accounts’.
3. Select 'Make a payment' for your credit card account.

Direct Debit
You can set up a Direct Debit through online banking by:

1. Logging into your account. Not registered yet? Register here. 
2. Selecting 'My Accounts'.
3. Selecting 'Account Details'.
4. And selecting 'Set up a Direct Debit' on the right-hand side of the screen.

You’ll be able to set up a Direct Debit for either the minimum payment, your statement balance or a fixed amount. Please note if you are setting up a direct debit for the first time and want to pay a fixed amount, you must set up a minimum payment direct debit first and then amend this to a fixed amount.



How do I get the Credit Card App?

The app is available on Google Play and Apple App store. To use the app you will need to register for online banking.



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.



Make a payment from your current account

You can send payments to us from your current account via your bank using the following details:

• Our sort code (12-60-11)
• Our account number (00080028)
• Use your card number as the payment reference for your bank transfer. This is the 16-digit card number on the front of your card. Please enter the full 16-digits with no spaces. You can also find this number on your statements.

Login to online banking



Set up a Direct Debit

If you’re registered for online banking then you can set up a Direct Debit by:

• Logging into your account. Not already registered? Register here
• Selecting 'My Accounts'
• Selecting 'Account Details'
• And selecting 'Set up a Direct Debit' on the right hand side of the screen.

Alternatively you can contact us and we can set this up for you.

You’ll be able to set up a Direct Debit for the minimum payment, statement balance or fixed amount.

Your Direct Debit can take up to 7 working days to set up.

Until you see your Direct Debit payment date on your statement you should continue to make your credit card payments using another method.

If you have a balance on your account we’ll collect your chosen monthly payment by Direct Debit every month, even if you make additional payments or a credit/refund is applied to your account. If you’ve chosen to pay a fixed amount and the payment would put your account into credit then we’ll only take the amount required to clear the balance.


Make a payment online using your debit card
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
• Download the app and log in
• Select 'Payments' at the bottom of the screen
• Tap on 'Pay by debit card' under Other ways to pay and follow instructions
   
Online Banking
• First, log in to your online banking
• On the 'My Account' page click on 'Make a payment'
• Enter your debit card details. We only accept Debit Mastercard and VISA Debit
• You'll be asked to select the amount you'd like to pay to your card, you can choose either minimum payment, statement balance, total balance or other amount. Please select one of these options and 'Continue'
• Your own bank may direct you to complete some additional security


Viewing your transactions

This can be done using the Credit Card App or Online Banking. To use the app or online banking 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

Log in to online banking and the 'My accounts' summary page gives you an overview of your Sainsbury's Bank credit card account. You can also:

• View latest transactions − click on 'Account details' and then the 'Latest transactions' tab
• Search transactions − click on 'Account details' and then the 'Search transactions' tab. From there you can search your transactions, from the previous six months, by choosing the date range you want to veiw.

Your 'available to spend' balance will update immediately when you make a transaction, however, your list of transactions and 'total balance' could take a few days to update depending on when the payment is processed. You should consider this when using your credit card so you don't exceed your limit.



How do I opt out of Confirmation of Payee?

You can request to opt out of CoP. This will mean that when a person or business tries to pay you, and they attempt to check your account details in advance, they’ll get a message that these details can’t be checked.

Although the payment will still go through, we’d recommend staying opted in as CoP aims to make sure payments are going to the right account and reduce instances of fraud. 

If you still want to opt out of CoP, please visit our contact us page to reach out to our team.

We’ll assess any request to opt out of CoP and get back to you within 14 working days. If your request to opt out is successful, we’ll mark all your accounts, including any joint accounts (but not any accounts held by joint parties in their sole name), as opted out of CoP. 



How can I get a refund on my card?

Usually, the quickest and easiest way to get a refund is to go to the retailer first. For a holiday or a trip, this may include the hotel, travel agent or airline. Or for an event this may be the events company or venue. For more guidance on credit card refunds, visit our dedicated refund support page.