I had recently applied for a balance transfer credit card with Sainsbury’s Bank and although the application was successful and approved, the actual balance transfer application was not. I was not made aware or informed of this until after activating my bank card and seeing no transfer had occurred several days later, I then tried to do it myself through the banking app which then told me my balance transfer was rejected. After speaking with the customer service team they advised that my current credit card with another major bank is not compatible, they would not tell me why (or did not know why) as it is not another credit card with Sainsbury’s bank nor within the same banking group, so I am now left with a credit card I cannot use. Helpful. Fortunately getting through to customer service was swift and a smooth processes compared to my current bank and so they have slightly redeemed themselves there, hence the 2 stars. It might be worth advising potential customers which banks are eligible for balance transfers before finalising applications, instead of potentially leaving them in a mess!