Sainsburys Bank Reviews

Name: Sainsburys Bank
Rating: 1.78

1.8 Rating 385 Reviews

18 %

of reviewers recommend Sainsburys Bank

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1.8

Based on 385 reviews

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

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Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I raised a section 75 in October 2019. I'm still waiting on a decision. I've telephone several times only to be told it's with head office - no update. I rang today to raise a different section 75 only to be told I can't because of covid 19. I need to allow the company concerned to process the refund. But under the EU law they only have 7 days & it's over a million nth ago. I am not happy with the service from the credit card division as they are saying I've not done what I was asked as in providing more information in October last year which is completely untrue. I've been advised to ring back tomorrow. It took my 5 attempts over 3 days & 30 mins of holding on each time not to been provided with an update on the case. The contact telephone number detailed in their acknowlgement letter back in Oct 2019 advised the department is open 7 days a week.”

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Posted 5 years ago

“Trying to phone to sort out covid 19 issues...the number they give is not recognised..useless”

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Posted 5 years ago

“They’ve got my address wrong but despite changing it I. Writing and over the pine on over 7 phone calls - it’s still wrong. Then they mismanaged a payment so it affected my credit rating and despite several phone calls of them assuring they’d put a note on my credit file, they didn’t. I was in the process of buying a house at the time...”

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Posted 5 years ago

“Took out a credit card with Sainsbury’s 2 years ago. Bought a car and was taking advantage of the 0% switch. They were very disorganised, told me I would receive a charge incorrectly and that I would have to call them to remove it (the first warning sign). I had some queries along the way, and half the time they didn’t answer my question probably. Got the distinct impression they wanted up to trip up and miss payments and incur charges. I moved house 9 months ago, and because I could remember my password, in their eyes I had failed their security test forever - they refused to update my address, so all my statements have been going to my old address. In the end I just went online and paid the balance off; I couldn’t take anymore. Even their payment phone line wasn’t working. Total nightmare. Choose a better credit card provider who know what they are doing - that’s my free advice. Good luck.”

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Posted 5 years ago

“My late wife had a couple of accounts with them. Absolute nightmare dealing with them. They lost a death certificate, at first refused to accepted a grant of probate because her account was in her maiden name - even though her using her maiden name was made clear. Delay after delay in closing the account. Shambolic. (Also takes ages for them to answer the phone.)”

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Posted 5 years ago

“I tried to apply for a credit card online, following a plug on their deal from MoneySupermarket.com. I was unable to complete the application online because it kept asking me to register using existing details I didn't have - being a completely new customer. Three calls to Sainsburys Bank later, they were still unable to offer an explanation. They did offer to do the application over the phone which would have taken half an hour. Not convenient for me unfortunately. And trying to get through to someone in customer services seems impossible! Just an endless litany of recorded messages and options for other services - but NOT customer services. I gave up in the end.”

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Posted 5 years ago

“I started to apply online but phoned them when the quote for Building and Contents insurance seemed too good to be true. They confirmed the online quote after going through it with me so l paid there and then. Had great difficulties finding my docs online but when I did I discovered the declaration of facts was totally wrong with regards to our flat roof. Called on a Saturday to advised and was told they would change info and it was me who suggested it may affect premium. Monday was a holiday so they agreed to phone on Tues morning before we left for months holiday. Two hours before leaving we were advised that they couldn't cover us. On return had protracted communication with the CEO and they did refund premium and add a small amount for inconvenience. My wife was the person who took out policy with me as an ' add on' but they insisted on addressing correspondence to me and that did not go down well. It is an outdated institution with badly trained staff. I will never consider doing any business with them again.”

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(Home Insurance) - Posted 5 years ago

“Do not deal with these. 3times I spoke to somebody to remove my daughter from my policy when she passed her test. I changed my car so had to update details told somebody again she needed to be removed. I have a renewal price sent me now which is a riducous amount and this is because my daughter is still on the policy. So I'm guessing when I changed my car and they charged me an extortionate amount to do this is because my daughter was still on the policy despite requesting her to be removed. I've messaged endlessly and they are just choosing to ignore all my messages and I can see that they have been read. Shocking customer service.”

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Posted 5 years ago

“Really quite awful from start to finish. Made a 0% Balance transfer which took nearly 4 weeks to transfer across. Several attempts to log in online failed to make a payment, unable to get through by phone, leading to delayed direct debit and missed payment. Direct debit then set up, the card was safely locked away as not needed for use. The direct debits then leave my bank account on time every month so think nothing more of it. A periodic check of my Sainsburys statement however showed they had removed the 0% because of the missed payment - no email, letter or call was made to inform me. If they had I would have transferred balance immediately. Complaint made to the Ombudsman and have now transferred the full amount to a better established bank. It's a competitive market - please whoever reads this learn from my mistakes and consider a better known banking company where such a string of issues is much less likely.”

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Posted 5 years ago

“Completely awful. Sent me non contact less card originally mildly annoying but thought ok. Portal always been rubbish and gone really down hill over the last six months. Almost 2 months with no ability to pay online and now the last two months the recent transactions aren't correct and huge swathes are missing making accounting impossible. I was frauded annoyingly and had to go through a crazy process to get my account back which failed halfway through due to their systems not updating new email and phone number locking me out again. I have honestly had compensation for rubbish service and product in the double figures now but I need the issues sorted its atrocious. Outstanding case with the FOS but I don't want money I just want a working service.”

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Posted 5 years ago

“Worst credit card company to deal with. Incompetent and customer service is zero. Waited 2/3 months to receive the card and endless hassle ever since. Had to do a balance transfer to any other company just so that I didn’t have to deal with them again”

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Posted 5 years ago

“Unable to change address. Locked ou by first telephone rep. Informed by second rep to regiter online; failed, could not supply mobile tel no to receive necessary code as locked out by first rep. Complained to third rep that their bank is trapping my money indefinateky. He will now send a code to my old address. If I get my money out I'll be very wary of opening another account with a second rate provider, certainly not Sainsbuty.”

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Posted 5 years ago

“Cannot transfer money out of my savings account. Says the account I am transferring to is not my name. So whose name has it been in the for the last 18 years. Worst bank savings account I have ever used and I have used quite a few over the years”

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Posted 5 years ago

“Make sure you do not fall ill as i did. Unfortunately this lead to me missing a payment and all you will get is calls and charges. They show no empathy or understanding and just keep stating that you need to read there terms and conditions. If only their customer service matched that of other financial providers. Card to be returned”

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Posted 5 years ago

“Great stuff!”

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Posted 5 years ago

“Very happy”

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(Home Insurance) - Posted 5 years ago

“I've used Sainsbury's Bank in the past for credit cards and home insurance and found them to be quite good (though the real test of insurance is when you have to make a claim, and I didn't). So I recently decided to apply for a £25,000 loan with them. I intentionally used their eligibility check first, as I didn't want a hard search on my credit file unnecessarily if they were going to reject me (though my credit score is excellent so I wasn't too concerned). I did the eligibility checker and input my income and the loan amount and it said I had a very good chance of being accepted so I submitted my full application online. It was immediately rejected. I complained and the underwriters explained that Sainsbury's Bank would never have approved a £25k loan on my income. So the lesson learned is don't trust Sainsbury's eligibility checkers, had it worked properly I would not have submitted the application. I now have an unnecessary hard search on my credit file. I immediately applied elsewhere and was instantly accepted, with the £25k in my bank account shortly after. Sainsbury's have recently sold off their mortgage books, have tightened their credit card approvals (my sister who also has an excellent score received a woeful credit card offer from Sainsbury's - she would have got a lot better elsewhere) and it's becoming clear that something's amiss with Sainsbury's own credit worthiness. I will be steering clear of them going forward.”

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Posted 5 years ago

“Worst bank ever! Most obsolete customer login panel I have seen is just one enormous pain in the as*. The customer is not informed about anything! No emails/letters/text messages. Those thieves just silently waiting to steel you hard earn money. Stay away, you have been warned”

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Posted 5 years ago

“The app is the most frustrating I’ve ever used. It makes me restart every time I use it and then won’t let me in even though I know that the username, password and PIN are correct. I then have to go through the process of changing them. Useless, I’m considering not shopping with them at all and using only my local Waitrose, much better rewards than Nectar points!”

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Posted 5 years ago

“Awful company to deal with, portal doesn't work, try to make changes it tells you on phone only online, go online it tells you to call the customer services line...... wait 20 mins on hold then passed from one person to the next spent over 4hours on the phone trying to sort out a claim for a key where the excess is £650.00. Claim logged incorrectly and now cannot cancel, losing my mind, going round in circles. Key cover absolutely waste of time when excess is double the value!! Imagine what it would be like if you had to make a full claim!! DO NO USE”

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Posted 5 years ago

Sainsburys Bank is rated 1.8 based on 385 reviews