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

“Never had any problems with my Sainsbury's credit card until today. Booked into a hotel and tried to pay for the room with my card but it was declined twice. Absolutely fuming as I had just earlier this week paid off over £4000 for a cruise and therefore have plenty of credit available. Rang them straight away and was told that they were having problems with payments today and it should be resolved tomorrow. Had to use my husband's credit card which went through with no problem...only glad we had it with us.”

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Posted 4 years ago

“Logged onto Sainsburys online to try pay off my credit card but got an online message " auth.sainsburysbank.co.uk refused to connect"...... Then tried the automated phone system automated messages round & round (JUST PRESS 9 TO CONNECT STRAIGHT AWAY :) ) ....... after a lengthy wait the call handler to make sure my payment of £6300 hadn't gone through as I didn't want to double up, she didn't seem bothered & said it told you it didn't connect ...... !! a tadge worrying with the amount of payment and WHY are Sainsbury's not accepting payments .... perhaps making more money on the interest ???? ......(7 Sept 21)”

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Posted 4 years ago

“Terrible portal. I have been trying to pay my credit card for days but just go round in circles. I when you call Sainsburys bank for help, you get no help.”

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Posted 4 years ago

“Took out a credit card with 0% balance transfer over 12mts. When I took it out they took all the transfer details and stated it would be done automatically. And you guessed it the transfer was never completed. They don’t answer messages or the phone. Very poor service. I think I will cancel the card and go elsewhere. Shambolic service”

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Posted 4 years ago

“Trying to pay my credit card. But because my card runs out I end October the service will not recognise my card this is the second time I was told my new card has been generated but I won’t receive it till nearer the time. I have sent most of the day try to get to talk to some one and pay but after about 30-40 mins later I give up This is disgusting after all these years it’s good by Sainsbury bank I’ve been with them many years”

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Posted 4 years ago

“Cannot login. Phoned and on file they have an email address I have not used since last century & not the one I have used every month until this happened. Cannot get in but I never used their file held email before. Aaargh! Kafka? Oh and it won't accept the email they say they have on file either. I need to lie down,my BP is up.”

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Posted 4 years ago

“Terrible portal. I have been trying to pay my credit card for days but just go round in circles.”

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Posted 4 years ago

“Complete lies and false advertising, after complaint was closed and 10000 nectar points promised. Nothing came. False empty compensation to just close the complaint”

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Posted 4 years ago

“The telephone system is appalling - they do not reveal the number that will lead you to speaking to someone unless you wait to rehear the two automated options twice and then magically they advise you to press 9. I have been waiting for 60 minutes to report fraudulent activity on my account, after sending an email and not receiving a response. Having read the further comments - this bank needs to review procedures and customer approaches. Very disappointed.”

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Posted 4 years ago

“Spent over 30 minutes on the phone waiting to report a fraudulent transaction. Appalling service.”

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Posted 4 years ago

“Really difficult to get hold of unless you want to spend over 30 minutes waiting for someone to answer.”

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Posted 4 years ago

“Sainsbury's Bank are a bunch of cowboys, do not trust them or take out any policies with the company. Nectar will give you bonus points offers for signing up to Sainsbury's Bank. But they will not honour the points, when you query it through the Nectar app, they raise a case with Sainsbury's Bank who are supposed to respond to you within 28 days but they don't. Then you have to go to Sainsbury's Bank directly yourself who tell you it will be investigated and they'll be able to see if you clicked through the app for the offer, then you wait a couple of weeks, they don't contact you. Once that period is over you must contact them again and then they fob you off saying you were never targeted with the bonus points offer so you're not eligible for the points. Which means they don't check to see if you clicked through the app on the offer, they just lie and steal. When you try to cancel due to being treated with complete disregard, they charge you an extortionate cancellation fee to get away from them. The Sainsbury's Bank staff are miserable, arrogant and and moan when you ring up asking about missing Nectar points. They literally grunt and sigh down the phone when you mention it, like moody teenagers being asked to tidy their room. This is not a professional outfit. Notice how the Nectar Bank phone line options are also a shambles? Almost every option you choose on the phone line leads you to a dead end and the only way you can get through to someone is by going through a new customer option, because that's all they're interested in. Taking your money, after that it's a bit like being treated as if you don't exist and you don't matter. The pre-recorded messages are rubbish and don't reflect true life, for instance they tell you to cancel through their website to avoid being charged fees. But on their website, it says you can't cancel online, which is annoying when you don't want to talk to their thieves, it says you must call. Shamefully, Sainsbury's and Nectar are conning people in association with this load of criminals. It makes them look bad and they'll lose customers as a result of it.”

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Posted 4 years ago

“Basically every time I tried to pay my credit card off it said the payment was successfully authentificated so I did not think much about it and because I do not check my bank balance every day, I found out later after late payments were recorded into my credit file which made my credit score dropped significantly. Tried to call their customers service and was met by incredible arrogance and lecturing me about how to make a payment via bank transfer.”

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Posted 4 years ago

“Really bad service, they never helped us at all get our money back from our travel company.”

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Posted 4 years ago

“disgusting company poor service bullies”

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Posted 4 years ago

“I had a 5 year loan with this company, paid in full and on time. My Credit rating is 100%. I have a lot if money in Shares, Also have available Credit within the Lloyd's banking group at a rate of 3%, applied for another loan and was declined. Natwest automatically accepted me. I will never use Sainsburys bank again. Filled a letter of complaint. ***Advise *** DON'T WASTE YOUR TIME.”

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Posted 4 years ago

“took out the card with the intention of transferring a balance. Once I had taken it out I was informed that I couldn't complete the balance transfer from this specific card (a mastercard). Sainsburys do not list the cards they don't accept for credit transfer - you only find out when it is too late and you've committed to taking out their contract. Also nearly impossible to speak to a human being. Shoddy service.”

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Posted 4 years ago

“Warning my new card was declined when I tried to use it & I've been told (by Saubsburys) this is done randomly to new customers. This could happen to you so be careful.”

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Posted 4 years ago

“I am attempting to fix my worsening financial situation but Sainsburys Bank will not even discuss this with me until their own timeframe is complete. The reason for their timings is self evident, to ensure my credit score is demolished. There is no legal requirement, no logical one. None of the other creditors are taking anywhere as long. I started talking to them over 2 months ago yet I still have wait longer before I can even ask the question. If you can I advise avoiding Sainsbury's Bank for loans. The customer service is shocking. I made a complaint and still haven't heard back; other than an email telling me someone will be in touch this has been almost 2 weeks. So long as there are no issues, all is well. Want to change anything or have issues, they are machines, the front line staff are humans with no ability to make decisions, everything is no, its our process. I best liken Sainsbury Bank to those shady private parking people who automatically turn down all challenges first time round. I hope no-one at Sainsbury Bank ever has to deal with Sainbury's Bank, they'd be horrified. Awful and cruel company. They would rather see me bankrupt than discuss my situation. Cutting off their noses to follow their processes.”

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Posted 4 years ago

“Take 30 mins to answer phone and do not have an effective complaints dept.”

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Posted 4 years ago

Sainsburys Bank is rated 1.8 based on 392 reviews