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FAQ – terms and conditions

Answers to common questions about the changes to your terms and conditions.

Why are my terms and conditions changing?

We’re changing your terms and conditions to reflect changes to our systems, legislation and how you contact us.

When will my terms and conditions change?

They’ll change in the next 2 to 4 months. We can’t give you an exact date yet but keep an eye on the website for updates.

Why are you removing convenience cheques from terms and conditions?

We wrote to you some time ago to let you know that we wouldn’t be offering cheques anymore, so we’ve removed any reference to them from your terms and conditions. If you have any old cheques then you should shred them and throw them away.

When will I get my contactless card?

We’ll send you a contactless card when your current credit card expires.

Can I make a money transfer now?

No. We’re updating your terms and conditions to include money transfers because they’ll be available in the future but they aren’t available yet. We’ll let you know when you can make a money transfer.

Why is your privacy policy changing?

We’ve updated our privacy policy to reflect the changes to legislation caused by the new General Data Protection Regulation.

Why does the change to the minimum payment not apply to me?

This change only applies to people who took out their credit card after November 2010.

Why do my new terms and conditions say I can share information with third party providers?

A new piece of legislation called the Second Payment Services Directive means that you can share your account information with Account Information Services and Payment Initiation Services. We’ve changed our terms and conditions to reflect this.

What’s a third party provider?

A third party provider is a business who acts as an Account Information Service (AIS) or a Payment Initiation Service (PIS). The Financial Conduct Authority and other European Regulators have a register of all authorised PIS and AIS that were operating after 2016.

What are Account Information Services?

Account Information Services are apps or websites that let you view all of your payment accounts (including your Sainsbury’s Bank credit card account), from all your payment service providers, in one place.

What are Payment Initiation Services?

Payment Initiation Services are apps or websites that let you initiate transfers and payments from your payment accounts online without entering your credit or debit card information.

Will Sainsbury’s Bank let me share my account details with an Account Information Service or Payment Initiation Service?

Yes, as long as the Account Information Service or Payment Initiation Service is a regulated third party and you have given your consent to do so.

If I share my account details with a third party provider, what can they do with them?

This varies between providers. You’ll be told exactly what they’ll use your information for when you sign up and you’ll be asked to consent to those terms.

When will Sainsbury’s Bank share my details with a third party provider?

We’ll only share your details if you’ve given consent to the third party provider that you would like us to do this. We’ll never share your data without your consent.

Who’s included in Sainsbury’s Group?

Sainsbury’s Group is made up of Sainsbury’s Bank, Sainsbury’s, Argos, Argos Financial Services, Habitat, Tu Clothing and other group companies that we may add in the future.

What if I don’t want to get marketing from you?

That’s not a problem. You can change your marketing preferences by logging into one of your Sainsbury’s Group accounts and following the directions to update them. You can also opt out by emailing us at

FAQ – other changes

How do I choose paperless statements?

Once your new terms and conditions go live, you can choose to get paperless statements by logging into online banking. Not registered for online banking yet? Head to

My Direct Debit is set up to take a percentage of my balance each month. What will happen when this option isn’t available?

We’ll automatically change your Direct Debit to make the minimum payment amount each month. If you’d rather pay a fixed amount or the full balance then you can change this through online banking or by calling us.

What type of card can I use to pay my statement?

You can only use a debit card to pay your statement. If you’re paying online then you can use Mastercard or Visa debit cards. If you’re paying through our automated telephone system then you can use a Maestro card as well as Mastercard or Visa debit cards.

Why does it look different when I make an online payment?

We’ve changed our online payment provider so some of our screens look a little bit different. There’s nothing to worry about, it’s still secure and it should be easier for you to use.

I’m an additional card holder so why I can’t see the account details?

Only the primary account holder can manage their account. Additional card holders aren’t able do any servicing on the account, although you can report the card lost or stolen.

Why hasn’t my balance transfer happened yet?

You need to activate your card before we can complete your balance transfer. You can activate your card using online banking or you can call 0800 032 4032. Not already registered? Head to Once you’ve registered your card will automatically activate.

I changed my PIN online but it hasn’t worked. Why?

If you changed your PIN over the weekend of 16/17 June then it won’t have worked due to some system improvements we were making that weekend. You will be able to change it now.

Why does it now take longer than it used to for my payment to process when I make it through my Lloyds Bank, Bank of Scotland or Halifax branch?

Because our credit cards used to be serviced by Lloyds Banking Group any payments made at one of their branches would have been processed more quickly.

Why have I had two late fees applied to my account in the same month?

In some cases our old system would apply fees after your statement date. Our new system will apply the fee on the statement date, therefore, it may appear that two fees have been charged for the same month. This is not the case and both fees are valid.