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Sainsbury’s Bank

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Sainsbury’s Bank  homepage

Author Sainsbury’s Bank . Screenshot of Sainsbury’s Bank website. [Accessed September 5, 2019]

About Sainsbury’s Bank

Sainsbury’s Bank is proud to be the UK's first supermarket bank and we are proud of our heritage.

We were the first major supermarket to open an in-store bank in the UK in February 1997. And, in 2014 Sainsbury's took over 100 percent ownership of Sainsbury's Bank.

Our credit card

We have a variety of credit cards for purchases, balances transfers or even a combination of both. You earn points with Nector for every spend you make at shops. Plus, as a new customer, you'll also gain 750 bonus Nectar points every time you spend £35 or more on your Sainsbury's shopping. Collect these points in your first two months of account opening, on up to ten qualifying shops, in otherworld’s 7,500 bonus Nectar points.

Award-winning financial services

We offer our customers a selection of award-winning financial products which include attractive rewards for Sainsbury's shoppers. For example, credit cards, savings, personal loans, mortgages, travel money as well as vehicle, home, pet, travel and life insurance. These services can be accessed online or by telephone.

Sainsbury’s Bank Services

We offer our shoppers great deals and rewards for choosing to shop and bank with us.

If you are a Nectar cardholder, you also receive additional points and preferential rates across a range of products. We offer a multitude of services to our customers.

30-month balance transfer

  • You get 0% interests on balance transfers for up to 30 months
  • And, get 0% interest on purchases for three months
  • APR of 19.9%
  • The purchase rate is 19.95% p.a. (variable)
  • A balance transfer fee of 3% (£3) applies to transfers made an application. The fee will depend on your current offer thereafter
  • Earn 2 points for every £1 spent on Sainsbury's shopping and fuel
  • Plus, earn 1 point for every £5 spent on your card anywhere else

No balance transfer fee

  • Get 0% interest on balance transfers for 22 months
  • You pay 0% interest on purchases for 3 months
  • APR of 19.9 %
  • No Balance transfer fee, however, a 3% balance transfer fee charged initially and fully refunded within 60 days

Sainsbury’s Bank Product Details

  • Loan Type Credit cards

Summary of Services

  • Personal Loans
  • Short-term Loans
  • Payday Loans
  • Credit Cards

Sainsbury's bank is the UK's most reliable bank

Our Nectar Credit Cards are available to new Sainsbury’s Bank Credit Card customers only.

We treat all our customers and their applications for Nectar Credit Card on a case by case basis. Our interest rate and credit limit offered are determined by the information you provided, along with an independent credit verification and repayment history.

To maintain your promotional rate, you’ll need to pay at least the minimum payment by the due date and you will need to stay within your credit limit. The Nectar reward points collected by using your credit card are in addition to the points earned from swiping your Nectar Card or when using it online during a transaction.

Purchase Credit Card

  • You get 0% interest on purchases for up to 27 months
  • Get 0% interest on balance transfers within your first 3 months
  • A balance transfer fee of 3% applies on transfers made an application
  • APR of 20.95%
  • Plus, zero annual fee
  • Assumed credit limit £1,200

Duel offer Credit Card

  • You get 0% interest on balance transfers for 28-months
  • A balance transfer fee of 3% applies on transfers made an application
  • 0% interest on purchases 28 months
  • No annual fee

Take note, before applying for a credit card with us you must be:

  • 18 years or older
  • A resident of the UK

We strive to make our services accessible to as many as possible, as such we have banking support to accommodate your individual needs.

Accessibility and disability services

If you have a hearing or speech impairment, we are able to assist you. You can contact us by Typetalk, or specialized textphone applications. Or, if you have a visual impairment, we can provide documents in large print, audio or even braille. We want to help all clients with disabilities or bad credit scores.

Customer Reviews & Testimonials

June 2019

I like how they handle customer service. Very professional

Andy A
— Boston —

March 2019

They are the best! I am happy I decided to go with Sainsbury's Bank

Barry A
— Southampton —

Sainsbury’s Bank Contact Details

Contact Number

E-Mail

  • not available

Website

  • not available

Physical Address

Opening Hours

  • not available