Online account FAQs

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.

  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.

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. Click on ‘Log in’ in the top right hand corner. Under ‘Credit Cards’ select the ‘Register’ button.

  1. You’ll be asked to enter your name, DOB and postcode (if you live overseas leave your postcode blank).Then select which type of account you'd like to register for.

  2. To keep your account secure, you'll need to create:
    1. A username (between 8 and 20 characters, including at least one number and both lower and upper case letters)

    2. A password (must be between 8 and 20 characters, including at least one number and both lower and upper case letters)

    3. A 6 digit online PIN number (must be unique, not 123456 or 000000 and have at least 3 different numbers)
  1. Now you're registered! Just enter these details every time you want to log in - remember they are case sensitive.
  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.

  1. You’ll be asked to complete your payment details. When complete select ‘Pay now’.

  1. Your own bank may direct you to complete some additional security.

  2. 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 following the instructions in the IVR.

Yes – you can contact your own bank to make a payment from your current account to your credit card by giving them your Sainsbury’s Bank credit card number. Alternatively, you can set up a Direct Debit (see question below).

You have 4 options:

  1. Fixed payment – 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.

  2. 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.

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

  4. Percentage of your balance – you can pay a percentage of your outstanding balance each month e.g. 10%.

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.

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. Select ‘My Accounts’.

  3. Select 'Account Details’.

  4. Select 'Manage my Direct Debit' from the right hand side of the screen.There will be three payment options to choose from.
  1. Click on ‘Log in’ in the top right hand corner. Under ‘Credit Cards’ select the ‘Log in’ button.

  1. Click on ‘I have forgotten my login details’ in the top right hand corner under ‘Help’.
  1. You’ll be asked to enter your name, DOB and postcode (if you live overseas then leave your postcode blank). Then click ‘Continue’.

  2. From the drop down list, please select if you’d like to reset your online PIN, password or both.

  3. We’ll send an authorisation code to your mobile, enter your code and continue to online banking.

  1. You can now complete your new details and continue to online banking.
  1. Click on ‘Log in’ in the top right hand corner. Under ‘Credit Cards’ select the ‘Log in’ button.

  1. Select ‘I have forgotten my username’ in the top right hand corner under ‘Help’.

  1. You’ll be asked to enter your name, DOB and postcode (if you live overseas then leave your postcode blank). Then click ‘Continue’.

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