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Lender DetailsSainsbury's Bank plc
Credit Card Provider

Sainsbury's Bank plc

Also known as: Sainsbury's Bank

Sainsbury's Bank plc was the financial services arm of Sainsbury's, the UK supermarket chain. It offered a range of products including credit cards, loans, savings, travel money, and insurance to Sainsbury's customers and the wider public.

In May 2025, the core banking business of Sainsbury's Bank was transferred to NatWest Group. This followed a period in which Sainsbury's reviewed its financial services offering and ultimately decided to exit retail banking.

After the transfer, Sainsbury's Bank retained some financial products, most notably its credit cards. These may continue to be available under the Sainsbury's Bank brand for a period, but operated under arrangements with NatWest. For current information about which products are still available, visit the Sainsbury's Bank website or contact them directly.

If you held a Sainsbury's Bank savings account, loan, or other banking product, you should have received communications about what has happened to it and what you need to do, if anything. If you have not received these communications, contact Sainsbury's Bank or NatWest directly.

Sainsbury's credit cards often offered Nectar points on spending, which could be used in Sainsbury's stores or with Nectar partners. If you hold a Sainsbury's credit card and are unsure of its current status, check the Sainsbury's Bank website for the most up-to-date information.

If you are struggling with debt on any Sainsbury's Bank product, free advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are always free.

Quick summary

Company typeCredit Card Provider
Trading namesSainsbury's Bank
FCA Firm Ref (FRN)184514
FCA statusAuthorised
Companies House no.03279730
Company statusActive (legal entity remains; core banking business — credit cards, loans, savings — transferred to NatWest Group on 1 May 2025. Insurance, ATMs and travel money remain with Sainsbury's Bank / J Sainsbury plc.)
Parent companyJ Sainsbury plc (retail parent); NatWest Group acquired core banking portfolios May 2025
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for Sainsbury's Bank plc

Card balance or statement
Missed payment
Default notice received
Credit limit query
Persistent debt concern
Section 75 dispute
Complaint
Debt sold to a collector

Before you contact Sainsbury's Bank plc

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance and how is interest calculated?
  • ?What are my repayment options?
  • ?Can I have a full statement of account?
  • ?What happens if I miss a payment?
  • ?How do I make a formal complaint?
  • ?Has my account been passed to or sold to a third party?
  • ?Are there any payment support or breathing space options available?

Contact details

Phone0345 366 7005 (credit cards via NatWest); 0345 366 7006 (loans/savings via NatWest)
EmailNot verified
Registered address33 Charterhouse Street, London, EC1M 6HA
Customer contact addressAccount queries now via NatWest: credit cards 0345 366 7005; loans/savings 0345 366 7006

Always use contact details from Sainsbury's Bank plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number184514
FCA statusAuthorised
Companies House number03279730
Company statusActive (legal entity remains; core banking business — credit cards, loans, savings — transferred to NatWest Group on 1 May 2025. Insurance, ATMs and travel money remain with Sainsbury's Bank / J Sainsbury plc.)
Parent companyJ Sainsbury plc (retail parent); NatWest Group acquired core banking portfolios May 2025

Useful official links

What they do

Main products and services

Insurance, ATMs, travel money (retained); credit cards, loans, savings now operated by NatWest under NatWest/Nectar brand partnership. New NatWest Nectar credit card and savings products announced for H2 2026.

Trading names and group notes

Post-transfer, Sainsbury's Bank plc no longer operates core banking. New products (NatWest Nectar credit card, savings, loans) will be distributed through Sainsbury's channels from H2 2026 under a white-label partnership with NatWest Boxed.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.2

Approx. 17,300 reviews

Other review sources

Trustpilot rank: #37 of 49 in Bank category; Review count varies ~17,274–17,300 across Trustpilot pages; Transfer scheme information at sainsburysbank.co.uk/transfer-scheme

Overall public sentiment

Sainsbury's Bank held a solid 4.2/5 Trustpilot rating. The transfer to NatWest in May 2025 created some customer uncertainty and service disruption. Post-transfer sentiment is mixed with some customers unsatisfied with the transition experience, though the new NatWest partnership aims to restore product access for Sainsbury's shoppers from H2 2026.

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Common questions about Sainsbury's Bank plc

Is Sainsbury's Bank plc FCA authorised?+
Check the FCA Register at register.fca.org.uk using the FCA Firm Reference Number (FRN) listed on this page. Always verify directly from official sources.
How do I contact Sainsbury's Bank plc?+
Contact details are listed on this page where verified. Always use contact details from the company's official website or the FCA Register rather than details found in unexpected letters or texts.
How do I make a complaint to Sainsbury's Bank plc?+
Start with the company's formal complaints process. If unresolved, the Financial Ombudsman Service (financial-ombudsman.org.uk) may be able to help, depending on the type of complaint.
What should I do if I cannot afford repayments?+
Contact the company as soon as possible. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Where can I get free help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Credit Card Provider companies

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