Manage your credit card

With Sainsbury’s Bank Online Banking, managing your credit card is easy.

Once you’ve registered for online banking you can request a balance transfer of up to 95% of your available balance by following a few simple steps:

1.         Log into your account.

2.         Select ‘My Accounts’.

3.         Select ‘Account Details’.

4.         Select ‘Make a Balance Transfer’ from the right hand side of the screen.

Note:   

Before you can make a balance transfer you must have your Credit Card number unless you’ve requested a balance transfer when you applied for your credit card.

  1. Log in to your online banking

  2. Your current balance will show here:
Current balance


Be aware that your balance will exclude pending transactions which can take between 3 and 5 days to show.


Alternatively, call 08085 40 50 60 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.

Moved home or changed your email address? It’s easy to make changes to your account online.

With Online Banking you can:

  • Change your login details
  • Change some personal details
  • Change your marketing contact preferences
  • Change your address

Once you’ve logged in, just select what you want to do from the ‘My details’ tab. Once you’ve made your changes you can start to use your new information straight away.

Your address change will take up to seven days. If you’re moving to an address outside the UK, call us on 08085 40 50 60. We’re open Monday to Friday 8am-midnight and 8am-6pm at weekends. 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.

If you need to change your mobile number, give us a call on 08085 40 50 60. For security reasons, you can't update this online. It is important that you keep your mobile number up to date as you'll need it to service your account.

*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.

You can contact your own bank to make a payment from your current account to your credit card. They’ll 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.

You can fill in the copy of the Direct Debit mandate that we included with your application pack and post it to the address shown on the form. Alternatively, you can download the form here, complete it and return it to us, or give us a call. If you’re registered for online banking, you can set up a Direct Debit by following a few simple steps:

  1. Log into your account.

  2. On the ‘My Account’ page click on ‘Account details’.

  3. Select ‘Manage my Direct Debit’ on the right hand side of the screen. There will be three payment options to choose from.
  • Minimum payment – this is the lowest amount you need to repay each month. This may be a particular sum, such as £5, but your statement will show you the exact amount.

  • Statement balance – your Direct Debit can be set up to pay the full outstanding balance on your card every month.

  • Other Amount – you can set up a Direct Debit to pay the same amount towards your credit card balance each month. Bear in mind that if the fixed amount you pay is lower than your minimum payment due in any month, we’ll take your minimum payment amount instead.

Your Direct Debit can take up to 10 working days to set up, but we’ll send you a confirmation letter to let you know once that’s been done. You should continue to keep up your payments by using an alternative method until you see your Direct Debit payment date on your statement.

We’ll collect your full monthly payment by direct debit every month, even if you make additional payments or a credit/refund is applied to your account.

  1. First, log in to your online banking.

  2. On the ‘My Account’ page click on ‘Account details’.

  3. On the right hand side you’ll see the option to ‘Pay my credit card’.

  4. You’ll be asked to select the amount you’d like to pay to your card, you can choose either minimum payment, statement balance or other amount. Please select one of these options and ‘Continue’.

  5. The ‘Review card payment’ screen will appear. If you’re happy with the card details you’re making the payment to, and the payment amount, select ‘Continue’. If you want to change something, select ‘Edit’ and you can return to the previous screen.

  6. A pop up window will appear where you’ll need to select your payment method. Most web browsers include a feature to block pop-up windows which can prevent this page from loading. You should see an onscreen prompt to ‘allow pop ups for this site’. If it doesn't appear you can change the settings to temporarily turn off your pop up blocker. We recommend however that you turn it back on before visiting another site.

  7. Sainsbury's Bank Online Payment
  8. You’ll be asked to complete your payment details. When complete, select ‘Pay now’.

  9. Sainsbury's Bank Online Payment
  10. Your own bank may direct you to complete some additional security.

  11. Your payment is complete and it can take between 3 and 5 days to be processed.

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.

You can post a cheque and your bank giro credit slip from the bottom of your statement to Sainsbury’s Card Services, PO Box 17439, Edinburgh, EH11 1JL. 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.

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.

The 'My accounts' summary page gives you an overview of your Sainsbury's Bank credit card account. You can also view:

  • Recent transactions − click on 'Show recent transactions'
  • 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 choose what date range you want to view

Credit Card transaction and payments are updated daily on your account. If you use your card today, you won’t see an up to date transaction list or available balance until the next working day. Please consider this when using your credit card so you don’t exceed your credit limit.

To apply for a higher credit limit you must be the principal cardholder. Just follow these steps:

  1. Click on ‘Account details’ on the ‘My accounts’ summary page
  2. On the right-hand side under ‘I want to’ click on ‘Change credit limit’
  3. Enter the new credit limit you'd like and confirm

We’ll write to you within the next seven days about your request.

If you want to reduce your credit limit, call us on 08085 40 50 60.

We won’t consider an increase in your credit limit if you’ve had your card for less than 12 months, or requested a credit limit increase within the previous 12 months. We’ll review your ability to repay before we agree to an increase.

To change your statement date you must be the principal cardholder. Just give us a call on 08085 40 50 60.

Unfortunately we can't produce statements on a specific date each month but we'll try to produce your statement as close as possible to your selection.

You can add up to three additional cardholders, but they must be at least 18 years old. They’ll be able to share your credit limit, but you'll be responsible for all their transactions.

To add a cardholder:

  1. Click on 'Account details' on the ‘My accounts’ summary page
  2. On the right-hand side under 'I want to' click on ‘Add an additional Cardholder’
  3. Enter their details and confirm

We’ll send the new card to you at your home address within ten days.

We have improved the security to our online banking service. This means only the main credit card holder can view details of the account online. If you’re an additional card holder, you won’t be able to do this.

You can let us know about your new bank/building society account details, or change the amount that you pay.

Change of bank/building society

You can advise us online of your new bank/building society account details, or change the account from which you make payments.

  1. Click on ‘Account details’ on the ‘My accounts’ summary page
  2. On the right-hand side under ‘I want to’ click on ‘Manage my Direct Debit’
  3. Enter your new account details, ‘continue’ and then ‘confirm’
We’ll contact you as soon as we’ve made these changes.

Change of amount

You can choose to pay your total outstanding balance, a fixed amount, or a percentage of your balance.

You can do this by giving us a call on 08085 40 50 60 or complete this Direct Debit Mandate and send it to:

Freepost,
SAINSBURY'S BANK

When you are completing the Direct Debit Mandate, please use the following Originator's Identification Number:

  • Gold Card – 800316
  • Any other Card Type - 800293

We'll collect your full  monthly payment using this method, every month, even if you make additional payments, or a credit/refund is applied to your account.

Call our Customer Service team on 08085 40 50 60. We’ll post a PIN reminder to you within four working days.

We’re open Monday to Friday 8am-midnight and 8am-6pm at weekends. 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.