Sainsburys Bank Reviews

Name: Sainsburys Bank
Rating: 1.78

1.8 Rating 389 Reviews

18 %

of reviewers recommend Sainsburys Bank

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1.8

Based on 389 reviews

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

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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

“very poor customer service and their staff are hostile and impersonal”

Helpful Report

Posted 6 years ago

“I have an online savings account with Sainsbury's bank. I tried to transfer some money out of it online, but was told that they could not verify the bank account I wanted to transfer it into (even though it was the account I'd used to transfer the money into my Sainsbury's account in the first place!) So I called up customer services and explained the situation. They took my through security questions, and said they were also going to access a credit check to ask additional security questions. The first one was who was my mortgage with. I gave the correct answer... only to be told by the customer services rep that I was wrong! We haggled about this for a while, so I'd said I go to verify it, and then call back. I dig out my mortgage statement - which indeed proves that I'm right - but when I called back I was told that I'd been locked out of my account, and that they'd need to reset it and send me out new login details to unlock it. Despite explaining to three different people how ridiculous this was, given they had the wrong information, no one seemed to care. It wasn't their fault, it was Experian's fault, because that's where the'd got the data from. So I have to wait 3-5 working days for the new passcode to be sent out, and then go through security again. I pointed out that they'd have the same wrong information, and was told I needed to take it up with Experian, who provided the report. I've never come across anything like this in my life! Any other bank / building society usually sets up a linked account when you open your account so you can easily transfer money out, and only works with security questions that you've agreed with them. I'm not sure if I'm ever going to be able to access my money again at this rate...”

Helpful Report

Posted 6 years ago

“Absolutely disgusting company, very discriminating against people with a disability. My husband is the prime card holder and his had his wallet stolen whilst on holiday. He had a stroke many years but is left with a speech impediment. He tried the security questions that tgey gave and he failed on one question because I was prompting him the person said he failed the question because she heard me prompting him. They blicked our cards so that we couldn't use our cards, and we didn't have any money. We have always paid our bill off each month in full, and no history of being late with payments. Please avoid this company.”

Helpful Report

Posted 6 years ago

“Their credit card website is awful, regularly not working or malfunctioning.”

Helpful Report

Posted 6 years ago

“Serious IT issues and outdated online banking. After a few months of using my online banking and dealing with how basic it is for this day and age, it suddenly stopped working. I wasn't able to view my recent transactions, my past statements or do things like make payments as the buttons to do each action took me to the same error page. I reported this issue over a month ago and it is still not solved. I have not heard anything back so called them again today and they said they are still working on it. It's bad enough they have no phone app and have to use the website that looks and uses like its something out of 1999, but at least I knew about this when I signed up for the card. However I didn't know about the fact i wont be able to use the basic and essential features like checking recent transactions or making payments. I asked for a list of transactions emailed to me but they couldn't do that. I asked for the list to be posted to me but they couldn't do that either as they are not on a statement yet. So Iv got to wait another few weeks to get at my data I needed a month ago. Closing the account as soon as I can.”

Helpful Report

Posted 6 years ago

“I would give 0 stars but that’s not an option. I did a balance transfer back in June and since that day they have had issues setting up direct debits, taking money on time, giving me the correct information over the phone. I’ve had charges on top of charges non of which were my fault and I haven’t had one month pass without an issue that I’ve had to call up about. The last one being I set up a direct debit to pay the minimum every month so I didn’t have to think about it again but when I had my direct debit conformation through it was double the amount! (Apparently an error on the letter as on the computer system it says minimum amount) unfortunately I have no faith so have cancelled the direct debit and will have to pay manually every month as surely that can’t go wrong? Every advisor you speak to gives you different information and says the last advisor was incorrect with theirs, who am I meant to believe?? I can’t wait to be able to balance transfer off this card and cut it into pieces it’s been nothing but hassle.”

Helpful Report

Posted 6 years ago

“Worse service ever. We filled in all paperwork months before our mortgage was due to end and got an offer more than 1 month before the due date. Yet, their solicitors (Optima legal) did not act on time and we have already paid £240 excess in interest. They don't answer emails or phone calls and don't take responsibility for their delays. We were moving banks to pay less and we are actually paying more. This is being the worse experience we ever had with a bank. Our mortgage advisor has put a formal complaint against Optima Legal, yet they cannot care less as keep delaying the completion, even after acknowledging they have all the documents. Unprofessional and unethical making clients pay for not being able to do their work on time.”

Helpful Report

Posted 6 years ago

“Trying to change my address with this shower. Have provided three pieces of evidence but goalposts keep moving on their part and withholding access to my money. Absolute shower, bank with them at your peril”

Helpful Report

Posted 6 years ago

“Three big issues since doing a balance transfer. Been reported for late payment due to no fault of mine. Had a wonderful lady assist me Vicki ID 1560011 she knows her stuff and was able to advise and help me resolve the situation that had become very stressful. Vicki thank you. If it wasn't for you I would be taking it further. You were great.”

Helpful Report

Posted 6 years ago

“Appaling. Closed my account by mistake and no reason whatsoever apart from their incompetence with setting up direct debits.”

Helpful Report

Posted 6 years ago

“Absolutely corrupt. Useless. Very stressful experience. Cant even set up direct debits. Am contacting an ombudsman.”

Helpful Report

Posted 6 years ago

“Absolutely awful!! Decided I wanted a new car, looked on line to find the company with the best APR, Sainsbury’s came up so decided to give them a go. I filled my details out online then they said I would have to wait for the forms to come out for my signature also they wanted a bank statement fair enough. Once I received it I sent it back first class. A week later still no money in my bank so I decided to ring them they informed me they needed to do more checks and would be paid in a couple of days. The couple of days came and went so I rang them again and they said I have now been fast tracked! Still nothing received the next day so I rang again they said I could be another two weeks, so in the end I decided to cancel it and go with Barclays. With Barclays I got the money same day easy!!! AVOID SAINSBURYS BANK FOR LOANS!!!!!!!”

Helpful Report

Posted 6 years ago

“Waited 40 minutes for them to answer the phone. Then they told me can't take money out of my own account. But I had no trouble paying into their account but even to take it back to the account I paid from is not allowed. They have some strange set fo rules that makes it very difficult to access your own money. Caused me a lot of stress. I went for instant access for a reason now it will takes weeks to get my money. Don't make the same mistake I did - check out trust pilot for some reviews and see what people think”

Helpful Report

Posted 6 years ago

“I have a Sainsburys Credid Card and today I lost my slot to buy festival tickets because they chose to run a security check on the transaction (it was only for £411). This happens all the time and only several months ago they cancelled payment for a on line Asda food shop and once again I lost the delivery slot and have to venture out the next day to the Sainsburys supermarket! Frustrated I called to enquire and and was told that their system picks out any unusual transactions and puts a stop to them until you give confirmation that it is you making the purchase - all well and good it you not in bed when the payment is climes (the case with Asda, who I don’t USUALLY shop with, who don’t claim payment until midnight as you can still ament your order until 23:59) or where you have been fortunate enough to get on to a festival website and only get 6 minutes to complete your transaction). On the first occasion I made a complaint but more so because of the way and tone of the customer service person. It took them 3 month to respond and they completely missed the point and did little more than to justify their set up. To make matters more difficult there is no way to let Sainsburys bank know that you want to do something out of the norm. So in basic terms, if you want to be spontaneous and need a credit card to do it then Sainsburys is not for you as there is no way to be certain that the card will work for you. I have a NatWest card too and have had for many years and they have never left me hanging in the same way. The benefit if Nectar points just isn’t worth the hasstle so I’m checking out”

Helpful Report

Posted 6 years ago

“Waited 10 working days for a reply, some staff were rude and numerous phone calls to be told some thing different every time, poor service.”

Helpful Report

Posted 6 years ago

“Got a credit care of these robbers, went well for months then they started mucking me about, I have been passed around person to person the last three months and still not sorted, stay away from these cowboys they only bring unwanted hassle and stress”

Helpful Report

Posted 6 years ago

“Sainsbury's bank lie. Never buy their home insurance. They refused renewal even with no claims being made, and first said I'll receive a letter, then refused to give me the letter and refused to inform me as to why they refused insurance. All in all, the worst insurance broker I've had experience of. Advice no one to use.”

Helpful Report

Posted 6 years ago

“PAID OFF MY CREDIT CARD IN FULL IN JUNE,IT IS NOW THE MIDDDLE OF SEPTEMBER AND THEY HAVE NOT UPDATED MY CREDIT REPORT,I AM WAITING TO BE APPROVED FOR A MORTGAGE,I AM SURE IF YOU OWED THEM MONEY THEY WOULD BE RINGING/WRITING TO YOU,YOU CANNOT GET TO SPEAK TO ANYONE WHO CAN SOLVE THIS?”

Helpful Report

Posted 6 years ago

“Unbelievable incompetence and couldn't give a damn attitude. A mistake by them took months to sort out, eventually the mistake was found by a RIVAL bank. Telephone contact often took between 30 minutes and 1 hour. Not even an apology from them. I've just cancelled this card and will never use this bunch again. Time after time they said there was nothing wrong with their transactions, for weeks and weeks, yet they had transposed one digit and sent £2,900 to a random account.”

Helpful Report

Posted 6 years ago

“Tried to ring them and was waiting 32min and still didn't get through. Absolutely ridiculous.”

Helpful Report

Posted 6 years ago

Sainsburys Bank is rated 1.8 based on 389 reviews