Sainsburys Bank Reviews

Name: Sainsburys Bank
Rating: 1.77

1.8 Rating 392 Reviews

18 %

of reviewers recommend Sainsburys Bank

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1.8

Based on 392 reviews

Customer Service
Communication Channels	Telephone, Email
Queries Resolved In	Over A Week

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Sainsburys Bank 1 star review on 23rd August 2025

Jennifer Lewi

Sainsburys Bank 1 star review on 29th June 2025

Stumbled Upon ‎(+ 1 3 2 6 2 09 03 2 5) When I Thought My Scammed Crypto Was Gone For Good.

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I had a Sainsbury's loan and got into difficulties. Had a mental breakdown, lost my job and marriage. Eventually set up new payment plan with Sainsburys which was honoured. In 2019 I was informed that payments had been missed however it was there error. My payments were not being credited to my loan account. For my trouble I received £100 and told that Sainsburys would not be chasing for the rest of the money but if I wished I could continue to make payments. Of course I did not. However in March 21 they sold the debt to Cabot Financial Services and letters were sent to the address they had on file, an address I had left. By pure chance I went to see the new owners who passed on the mail. Next day contacted Sainsburys who enfactically told me that the loan had not been sold and there was a 'mark' on my file that meant it could not be sold. I had to at their request email over the letters. They duly apologised and sent £300 for the distress caused. However in amongst all of the above is the levels of service. ...Letters allegedly sent in June 2019 never received ..Bank didn't know it had sold the debt ..I've been told twice that the balance has been written off. However what this means to a lay person and the bank is different. What the bank means is that they will not chase for outstanding money but cannot guarantee that an 'error' won't occurred again causing further distress. ..if if is sold in error again how lucky will I be not to return to the old address and collect post. ..what if I hadn't got the Cabot Financial Services letters requesting payment. Would i eventually had a CCJ or bailiffs?”

Helpful Report

Posted 4 years ago

“Only 1star cause that was the lowest I could give avoid this bank like the plague I got a 0% credit card in March first payment due 5th April paid it on 27th March on 6th of April had a text from my bank stated not enough funds in my account for DD £939 went to the bank and they couldn’t explain anyway long story short turns out Sainsbury’s bank took out £939 which was the full amount I owed on my card then it was paid back in by the bank when I phoned to complain was told I signed up to pay the full amount and there was nothing they could do and I will lose my 0% interest as well which I’m pretty sure I didn’t it was a transfer from an other card why would I sign up to pay in full I wouldn’t of bothered with another card I would of just paid that of my original card and not had to pay interest to rub salt into the would they charged me £12 for not having funds in my account which will probably affect my credit score my card is now at the bottom of my bin having transferred to another card and I have been a loyal customer for years but not any longer”

Helpful Report

Posted 4 years ago

“It has taken over 2 weeks to obtain a balance transfer. 2 phone calls later and then saying I was accepted immediately and still no transfer or credit card has been received! Never had it take this long, usually done and dusted within a week. Shoddy.”

Helpful Report

Posted 4 years ago

“Whenever I go online to pay my credit card bill, my debit card is not accepted for payment. I get a message saying You Cannot Pay With A Credit Card, Please Enter A Debit Card Number. It IS a DEBIT card. So I have to phone the automated telephone service and go through a long and tedious option selection to pay my bill with the same card that is rejected online. I have been complaining about this for 3 years to no avail.”

Helpful Report

Posted 4 years ago

“I applied for a balance transfer credit card . It was approved quickly but I was told to call when I received the card to activate balance transfer . Now it turns out that they don’t transfer balances from my existing credit card ! Wonder if they actually transfer from any ? Waste of time, I have cancelled their card and will never use them again .”

Helpful Report

Posted 4 years ago

“have put a second default on my loan account in a 3 month payment freeze due to covid such a joke this company took 230 points off my credit rating due to a false default when I'm on a payment freeze when I'm trying to rent a house shocking”

Helpful Report

Posted 4 years ago

“The security is impossible it just feels like they ask one question after another until you make a mistake and then they cancel the whole thing and you have to start again with endless One time passwords dates of birth codes usernames passwords etc etc - I have never been able to view a bank statement - security is one thing but this is deliberately obstructive.”

Helpful Report

Posted 4 years ago

“Terrible online service from Sainsbury's Bank. My account is locked out but they have an unlock facility but it does not accept the expiry date from my card despite it being correct. I reported this to them a week ago and raised a complaint and they have not even acknowledged this and have still not fixed the error so have had to call back but today their automated phone service does not recognise keys being pressed so just loops. I have to resort to their social media presence to get assistance and am still waiting!!”

Helpful Report

Posted 4 years ago

“absolutely rubbish, it gives me 3 seconds to try and log in, everytime I wanted to move money, I had to phone up, 3 years iv being complaining, so now I moved my money to a better bank, worst service iv ever encountered, and nobody has bothered to sort it out,,,, what a set of dummies”

Helpful Report

Posted 4 years ago

“Abysmal service: they decided to cancel my contents insurance without explaining why, told me to phone them, then put me through multiple choice questions before repeatedly chucking me off the system. Absolutely useless. And they send repeated letters lying about what they're going to do (we're going to cancel on x date ... and then another saying they'll cancel on another date).”

Helpful Report

Posted 4 years ago

“Terrible!! do not use. The online banking and the mobile banking is appalling, not user friendly at all therefore very possible to miss things and make mistakes. When you call to speak to someone the automated service doesn't make any sense. When you finally get through and want to make a complaint they do everything in their power to intimidate you so you do not make a compliant (which unfortunately worked with me). They charged late fees when I set up for it to be paid off in full and then refused to give it back (this has happened to me with Tesco banking and the refunded me immediately). They don't care about you, they just want your money.”

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Posted 4 years ago

“Worst experience ever. From day one they got things wrong, but then took my monthly payment okay. Last year should have been my last payment to clear the card, but I just got a notification that they have taken money on my direct debit again. I TRIED to log in but it's a revolving door of "enter your personal details" (why, you already have them all?) and after three pages of that, it says "the information is incorrect". NO it bloody isn't! I have done this four times with the same message, so I can't even see my balance. Why not just let me log in with the usual username and password etc, what is so very difficult about that?? It's driving me nuts. NEVER use them again, never.”

Helpful Report

Posted 4 years ago

“Can't believe a recall of a bank transfer requested by me in error takes 6-8 weeks to complete!! Really?”

Helpful Report

Posted 4 years ago

“Terrible Customer Service. Staff don't care. Don't honour their promise to help through Covid Pandemic just pile on more fees. Management just as unhelpful. Avoid.”

Helpful Report

Posted 4 years ago

“Easy to take out a credit card but impossible to cancel it. You can only do it by phone and having called a few times, one of which I was on hold For 2hrs and 30mins before it count me off it’s just not possible to get through to anyone. Truly dreadful service. Avoid at all costs!!”

Helpful Report

Posted 4 years ago

“Customer care is terrible. Totally not interested and can’t even be bothered to apologise. The Sainsburys credit cards frequently do not work in the chip and pin devices in the self serve check areas in Sainsbury’s stores. Meaning you not only lose points, which is the single reason I have this card for my shopping, but you have to suffer the embarrassment of everyone seeing your card being declined.”

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Posted 4 years ago

“I received a useful SMS confirming my direct debit would be taken. On the day, my own bank confirm the debit has been taken. So I login to Sainsburys banking website & the old balance is still there. The website is very slow & customer services just warns of long waits. There is little incentive to retain my Sainsburys credit card.”

Helpful Report

Posted 4 years ago

“I applied for a loan on the basis of their advertised rare of 2.8 per cent APR. When they send across the paperwork it's 5.2 per cent. Totally misleading. I'm paying back the loan straightaway.”

Helpful Report

Posted 4 years ago

“Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when faced with something off script.....quite frankly, the second my zero percent offer is up I will DEFINITELY be going else where and never intend on using their services again.....however until that time I'll be making sure I milk every single penny from the zero percent period ;) ...well it's the very least they can do for making me have to deal with such a useless company/staff”

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Posted 4 years ago

“Nonexistent customer service, payment refused and didn't even bother to let me know. When I called the next day, I was blatantly told I am not allowed to buy the product with this card. ??????? DISGUSTING, never again am I going to bother with this excuse for a credit card company!!!!”

Helpful Report

Posted 4 years ago

Sainsburys Bank is rated 1.8 based on 392 reviews