Sainsbury's Bank Deals

Sainsbury's Bank Deals & Discounts

24 hot deals
469°
Personal Finance
Sainsburys 0% balace transfer card 33 months £20 cashback and .59% fee
This Sainsbury's Bank* card offers the same 0% period as the Lloyds card above. You'll also get £20 cashback if you apply via our link and transfer at least £1,000 within one month - so if you're tr… Read more
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Just make sure you pay it all off 1 month early. Because the day interest is due to start Sainsburys will start charging it, even if you clear the full balance by the due date. And the next month there will be some interest on the interest.

HOT. Would have went for it but prefer the m&s deal posted few days ago with 50 quid vouchers.

Indeed. Could be that for unknown reason I do not fit their profile. I find it a bit odd you cannot request required limit as part of application and if unable to offer does not complete application.... MBNA have always been very generous with limit and limit increases so I've found them worth the extra .% to move balances. I always run a 30k interest free balance. Wonder when BOE will stop the 'excessive' lending practices of credit card providers

FlahertyDeals2 h, 31 m ago

In my experience for myself and assisting others. 50k salary and good …In my experience for myself and assisting others. 50k salary and good credit MBNA routinely offer 15k limitsSainsbury's 3k limitsAppreciate each individual different

Fair enough - I know someone (not me) who got over £10k limit in similar circumstances to those you described, so I assume there's some "quirks" in the model they use

Voted hot incidentally
341°
Personal Finance
Sainsbury’s Bank dual offer credit card 29 months 0% interest on both balance transfers and purchases PLUS 5000 bonus Nectar points
0% interest on balance transfers for 29 months 0% interest on purchases for 29 months 5,000 bonus Nectar points You'll also get 2 Nectar points per £1 spent on Sainsbury's shopping and 1 Nectar point… Read more
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patrick_000

Sainsburys have excessive id requirements - fine if you have paper … Sainsburys have excessive id requirements - fine if you have paper statements but no good for me as all my banking and utilities are online statements.



​I got this last month and didn't need any statements at all?

Original Poster

luvclub

I might have missed something but isn't this cold?If we're talking about … I might have missed something but isn't this cold?If we're talking about the just one month difference I would suspect the majority of people would go for Sainsburys "No Balance Transfer Fee" card which is 0% for 28 months but the 1.5% transfer fee is refunded. It also has the same 5,000 nectar points deal.


Not really as with the "No Balance Transfer Fee" you would have 0% interest on
purchases for 3 months only, instead of 29.

Sainsburys have excessive id requirements - fine if you have paper statements but no good for me as all my banking and utilities are online statements.

I might have missed something but isn't this cold?

If we're talking about the just one month difference I would suspect the majority of people would go for Sainsburys "No Balance Transfer Fee" card which is 0% for 28 months but the 1.5% transfer fee is refunded.

It also has the same 5,000 nectar points deal.

scoobytawazara

any good deals on transferring into bank account to pay off overdraft? … any good deals on transferring into bank account to pay off overdraft? thanks


If i'm not mistaken, barclays offer that service, but you're charged the same as a cash withdrawal ie higher interest

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424°
EXPIRED
Personal Finance
0% interest on balance transfers for 40 months - low 1.78% fee too and possible 5000 bonus nectar points
Was a recent, and slightly longer @ 42 months, deal however the fee was higher, this one is a relatively lower balance transfer fee and still almost 3.5 years of interest free money (assuming you have… Read more
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Original Poster

Bezzina

Can't transfer from Amex cards either I have found the card very … Can't transfer from Amex cards either I have found the card very frustrating



Yes you can, I did exactly that with my card.

Can't transfer from Amex cards either

I have found the card very frustrating

I got a Sainsbury card couple months ago with 29 months interest free on purchases the downside to it is that is not contactless

Babbler

TIP: Use an eligibility calculator first



​where can i find that? want to see if husband is eligible

TIP: Use an eligibility calculator first
73°
EXPIRED
Travel
Sainburys Travel Money sale now on, with special rates for Nectar card holders @ Sainsburys Bank
Looking for some Euros for my up coming holiday and the best high street rate I can find today is at Sainsburys Bank. Just got a rate of 1 GBP = 1.1401 EUR 3 DAY ONLINE & PHONE RATE SALE – ENDS 9… Read more
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Better rates than Thomas Cook, travelex and post office for mexican pesos when I ordered last night.

Be aware the best rates are for online orders delivered to store or home. The walk in rate is slightly less

Used John Lewis in store yesterday @ 1.142, still the same today.

Thomas Exchange always has the best rates.
I always normally go throught Travelex and do a price promise versus Thomas Exchange so you get the same rate without any postage fees.
Currently better than Sainsburys at 1.1475
However, given the amout the that most people take/spend on holiday money, the differnece is practical terms is negligible.

Edited by: "Copperface" 22nd May

Original Poster

col11

How do they deliver, is it special delivery as it says standard?



​It's all in the T&C's
sainsburysbank.co.uk/tra…ons
230°
EXPIRED
Personal Finance
Longest 42 months 0% interest on balance transfers Credit Card & 5,000 bonus Nectar points @ Sainsburys Bank
Longest 0% Balance Transfer Credit Card Sainsbury's Bank 42 Month Balance Transfer Credit Card 0% interest on balance transfers for your first 42 months. 2.30% balance transfer fee applies to tra… Read more
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anyone know of a good money transfer deal the virgin one above is not very good? thanks

Could you just buy 4 different sweets in Sainsbury in seperate transactions one after another to get the 5000 nectar points?

0% transfer free or no deal from me I'm afraid... There are enough offers around, even if you had to take out one after the other to mirror the length of this deal (_;)

Heat though for posting the deal OP.
Edited by: "slipd" 21st May

Original Poster

angelking

Does Balance Transfer means I can only balance transfer from 1 card to … Does Balance Transfer means I can only balance transfer from 1 card to another card. Or I can use this card to pay of another loan that I have.


Balance Transfer - Card to Card
Money transfer you can transfer in bank: hotukdeals.com/dea…302

Does Balance Transfer means I can only balance transfer from 1 card to another card. Or I can use this card to pay of another loan that I have.
509°
Personal Finance
0% interest on purchases 31 months - longest ever 0% purchase credit card @ Sainsbury's Bank
Spotted that Sainbury's have upped their 0% purchase credit card offer to 31 months, longest 0% purchase offer in the market. Great offer if you are looking to make some purchases over the coming mont… Read more
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Original Poster

leedsfan8315 h, 17 m ago

Waiting for nectar points double up!




Usually November.

Waiting for nectar points double up!

Aye mine are there too, just in time for that cinema promo. Belter deal

https://image.ibb.co/iMJRvF/nectar.png[/url]

Edited by: "Bossworld" 15th Jul

check your nectar peeps!!

https://image.prntscr.com/image/jl_mcYAfRhG6C763oCvppw.png

Thanks again OP!

samburrows

Applied on day 1 of this deal and got accepted for £12.5k. Nightmare … Applied on day 1 of this deal and got accepted for £12.5k. Nightmare admin process. Had to sign paper forms etc. Took 3 days for the forms to arrive, another 3 days for them to receive the forms. PIN arrived a week later and card another week after that. I've made the 4 transactions now (within 3 days of receiving card!) and they confirmed after a phone call today that it was within time. Can't really complain as a really good deal and it has ended up working for me but delays in admin and postage were frustrating!


My card finally arrived on friday, I've got just under two weeks to go to Sainsbury's four times
Edited by: "Bossworld" 4th Jun
1003°
EXPIRED
Personal Finance
Sainsbury’s Bank credit card: 29 months 0% interest on both balance transfers and purchases PLUS 5000 bonus Nectar points offer Editor
Hey guys, there’s a great new credit card deal from Sainsbury’s Bank. It’s basically a three-in-one credit card: 0% on both balance transfers and purchases, plus rewards. •\x09Called the 29 month “M… Read more
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morpheus

Just to be clear, when I finally get the card I need to do 4 x "shops" (4 … Just to be clear, when I finally get the card I need to do 4 x "shops" (4 separate chocolate bar purchases) in month 1 and then pay those off BEFORE i do the balance transfer in month 2 or 3?


I got my card - did my balance transfer then made 4 purchases (about £20 worth of shopping each) I kept my receipts just in case. As long as it is within the 1st month not sure it matters.

Got mine too x

russelleames

got my 5000 points overnite :))



Yep got them too.

Just to be clear, when I finally get the card I need to do 4 x "shops" (4 separate chocolate bar purchases) in month 1 and then pay those off BEFORE i do the balance transfer in month 2 or 3?

got my 5000 points overnite :))
1358°
Personal Finance
0% for 28 Months Balance Transfer credit card with NO balance Transfer Fee - longest fee free Balance Transfer in the market @ Sainsbury's Bank
New deal giving the longest fee free balance transfer within the market - 0% for 28% months and no balance transfer fee. I will be making use of this and shifting a credit card balance. Previous best… Read more
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For anyone wondering about combing the 0% purchases and balance transfer offers like I was in my earlier posts afraid I can't offer any extra info after all.

The script they read out prior to my BT didn't really make it any clearer either but as I'm no longer doing that I didn't ask for more details.

I was given a lower limit than my existing 0% BT card so I just made 4 small Sainsbury's purchases to qualify for the 5000 nectar points, paid these off my account to avoid any complication, then used the maximum amount for the BT (they quoted 95% of credit limit, but also minimum £100 buffer).

Also check they have your nectar card number. Can't remember if there was an option to provide it when applying, if there was I would have entered it, but there wasn't one on my account.

Original Poster

morgie25th Mar

My balance transfer fee was also credited to my account last week. It …My balance transfer fee was also credited to my account last week. It actually shows as the same day as it was taken. For some reason it was £3 short, but I called Customer Services and they were able to correct that.




Took a while but my balance transfer fee has just been refunded, must have been tied to billing. Just under the 60 days quoted, was just about to phone up.

morgie

I tried to ask Sainsburys Bank a similar question and didn't get a … I tried to ask Sainsburys Bank a similar question and didn't get a straight/reassuring answer, so decided not to bother as had the potential to be more cost and hassle than it was worth. That said, the example given makes sense to me and is essentially the question I was asking them on the phone.



​Thanks. I'm still waiting for my card through but will probably phone them to see if they give me a clearer answer when I do, so I at least have something on file if I do decided to do it and have any problems.

I tried to ask Sainsburys Bank a similar question and didn't get a straight/reassuring answer, so decided not to bother as had the potential to be more cost and hassle than it was worth. That said, the example given makes sense to me and is essentially the question I was asking them on the phone.

Original Poster

LankyChris20 h, 25 m ago

Did anyone who got the card use it for purchases for the 5000 nectar …Did anyone who got the card use it for purchases for the 5000 nectar points? Did this work OK or cause any problems with interest in the balance transfer?




Hi, what you've outlined there makes sense, as the payment hierarchy will pay off the most expensive debt first e.g. purchases. General advice is not to spend on this card but if you did pay back the purchase spend before the expiry of the 3 month 0% purchase promo period, this should avoid any interest charges.

@morgie second opinion on the question above - ta
316°
EXPIRED
Personal Finance
Market Leading Longest 29Mths 0% on Purchases / 18Mths 0% on Balance Transfers on The Nectar Purchase Credit Card + 5000 bonus Nectar Points @ Sainsburys Bank
Sainsburys bank are currently offering The Nectar Purchase Credit Card which is the market leading longest on 0% on purchases and offers the following: 0% interest on purchases for your first 29 mont… Read more
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So if purchases are made and the minimum payment is made the 0% interest will be intact for the whole promotional period? On the terms it state's (if anyone can confirm or am I reading this wrong?) that on the individual purchase's that amount needs to be settled with 60 days otherwise it start's to accrue interest regardless of any promotional 0% ??

I didn't hear a thing from them until today. Applied 3 weeks ago. Sent me an agreement to sign. Only needed £5k for a transfer but they gave me £8k.

3 weeks from applying to getting PIN and card (which I think is on a longish side).
It comes without contactless feature which for some might be a positive factor.
For me however it is a negative point
Edited by: "user777" 20th Feb

sainsburysbank.co.uk/cardsbonus1000

Will get you a fiver of points

Banned

i got the card its got a £5200 balance on it lets go shopping
266°
EXPIRED
Personal Finance
Sainsbury's Bank No Balance Transfer Fee Credit Card 25mths 0% lowest right now
This Sainsbury's Bank* card offers the joint longest-ever 0% period with no fee to shift your debt. Plus, if you're accepted for the card you'll definitely get the full 0% period. Need-to-knows I… Read more
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Got me card today, very slow service ! but cheap balance transfer. Transferred my grand aim to pay off by end of May then will cancel the account.

Thanks again Op, few quid saved there.

I sent the agreement back a week and a day ago, not heard anything yet.

How long has anyone else been waiting?

Thanks

Thanks, applied. Instant approval with £9k limit

Only got like £1k to transfer to it.... so should only take a few months to pay off... but even so! a few months saving of interest is better than nothing !!!!!!!!!
Edited by: "unhappybunny" 9th Jan

RedHot99

Just read above about mixing up purchases and balance transfers and I now … Just read above about mixing up purchases and balance transfers and I now think I might have made a mistake with my new Halifax credit card. Can anyone help me please by answering this?Balance transfer was interest free for 32 months and purchases were interest free for 12 months.I balance transferred £2000 to the Halifax card and made a purchase of £100. I am currently paying the 1% minimum payment each month by Direct Debit. In 12 months time I will have paid off roughly £240 of the total balance but will I then be charged interest for the remaining 22 months? Have I messed up?



The £100 will need to be paid in addition to your minimum payment once the initial 12 months has expired or interest will start accumulating . Give Halifax a ring and ask them to confirm though to be sure , it'll be in their Terms and Conditions

Just read above about mixing up purchases and balance transfers and I now think I might have made a mistake with my new Halifax credit card. Can anyone help me please by answering this?

Balance transfer was interest free for 32 months and purchases were interest free for 12 months.

I balance transferred £2000 to the Halifax card and made a purchase of £100. I am currently paying the 1% minimum payment each month by Direct Debit. In 12 months time I will have paid off roughly £240 of the total balance but will I then be charged interest for the remaining 22 months? Have I messed up?
362°
EXPIRED
Personal Finance
LOWEST EVER Loan Rate of 2.8% APR @ Sainsbury's
Cost shown is interest paid on a £10k loan over 1 year Sainsbury's are offering 2.8% on loans of between £7500 and £20000. Max 3 year term and must have a Nectar Card (though these are free to get) … Read more
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samspud

It is ;)Read the description properly



​was only looking for 7500 thats why X)

Original Poster

cliosport65

also this is 2.9% not 2.8%



It is

Read the description properly

also this is 2.9% not 2.8%

Dellsy

Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't … Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!



​Did you not get an instant decision?

Original Poster

Dellsy

Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't … Going to give them a call. Paperwork arrived today with 6.4% Apr. Don't think so!!!



Lol - try TSB?
-183°
EXPIRED
Personal Finance
5,000 bonus Nectar points for new customers - when you spend £800 @ Sainsbury's instore or at petrol stations
The £800 has to be spent in the first 3 months at Sainsbury's store or Petrol stations. 5,000 bonus Nectar points for new customers - worth at least £25... more if you double up or use other special … Read more
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Original Poster

Agreed, but Amex acceptance is much better than it used to be and you can … Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..



Now that is a great 'hack' - will bear that in mind, once I have done my 3 months on the interest-free card...

cinimodee

Now that does sound like a very good offer - only problem is spending on … Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...


Agreed, but Amex acceptance is much better than it used to be and you can always stock up on gift cards in store to use another time..

Original Poster

dlloyd1980

£3 worth of nectar points per £100 is that good ?


Given that you usually get 1 point per £2 spend at Sainsbury's, so for spending £800 you would get 400 points, yes that is good... the nectar rebate % is not great, but if you are after a LONG interest-free period with some kick back - it is a pretty good card.

Original Poster

hornets

20,000 extra Nectar points on top of the 'standard' 20,000 when applying … 20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.40,000 points = at least £200 worth of Nectar points, maybe more...


Now that does sound like a very good offer - only problem is spending on Amex is sometimes quite difficult - though if you find places that you can pay with Paypal, you can link your amex card...

20,000 extra Nectar points on top of the 'standard' 20,000 when applying for the Nectar Amex credit card via the Nectar app. Must spend £2,000 within 3 months to get both sets of points.

40,000 points = at least £200 worth of Nectar points, maybe more...


258°
EXPIRED
Personal Finance
42 months interest free balance tranfers on a CC @ sainsburys bank (Nectar card bonus)
Want a credit card with interest free transfer for a long period of time?.... look no further! Only a 4% fee for transfer then a long 3 and a half years interest free! Also 3 months interest free… Read more
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What kind of card are you more likely to be accepted for? A balance transfer one or a 12/24 month interest free one?

great!! cheers!!

MrGamer123

Thanks guys, ill take a look at interest free credit cards. As you can … Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life so this will be my first and last hopefully.



The ironic thing is you may struggle to get a card like this if you have never had a credit card before. Credit card companies like to see a history of you being in debt and paying what is due on time each month.

MrGamer123

Thanks guys, ill take a look at interest free credit cards. As you can … Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life so this will be my first and last hopefully.



You'll probably struggle to get an interest free card if you've never had one before. By all means give it a go though.

Thanks guys, ill take a look at interest free credit cards. As you can tell I have never got a credit card in my life so this will be my first and last hopefully.
-181°
EXPIRED
Mobiles
iPhone 7 from £22.19pm , S7 Edge £22.19pm or any other phone on 27month Interest-Free Credit plus up to 5000 Nectar points @ Sainsburys
iPhone deals all get voted COLD so I expect a backlash and minus-hundreds, but here is the best deal I could find for any sim-free top-end smartphone (Apple, Android, Windows etc). To obtain 27months… Read more
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Original Poster

Spasho

You seem to know a lot about it and if I knew someone who'd want an … You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.

I cannot argue with this. £600+ buys a very nice TV, cooker or washing machine. Spending so much on a phone which will outdate itself within one year can seem crazy in comparison.

Banned

Orville

Yes, but your link requires an upfront deposit, has a shorter payement … Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway. *So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.


You seem to know a lot about it and if I knew someone who'd want an iPhone 7 I would redirect them to this post. However, for myself I'd never spend more than £150+ on a smartphone.

Original Poster

Has anyone spotted a cheaper iPhone 7 purchase plan than this, or is it merely predudice / hatred of Apple causing the cold votes? Please feel free to post better offers.

Original Poster

snoopy18

There are free payment plans already with apple … There are free payment plans already with apple http://www.moneysavingexpert.com/news/phones/2016/09/iphone-7-interest-free-loan


Yes, but your link requires an upfront deposit, has a shorter payement term, requires additional Apple Care purchase (if made online) and does not provide free points. It is also Store specific (not all provide 0%) and requires a credit agreement / credit check via Barclays Finance.

This appears the cheapest way to buy a new iPhone 7 without any additional fees or upfront deposit. Can anyone else locate one for less than £22.19pm?

I assume people are voting cold mostly becuase "Apple" is witin the title, rather than because there is a cheaper or better option available. Perhaps people do not want to apply for another credit card, but it is essentially the same as entering a monthly phone contract or purchase plan via Apple or similar stores. 80% of new phone purchases are paid via monthly contract anyway.


*So far 38 hot voters and considerably more cold voters. I am happy some are finding it helpful.


Edited by: "Orville" 5th Oct 2016
-45°
EXPIRED
Personal Finance
£25 of Nectar vouchers with Sainsburys Credit card - spend £800 in first 3 months (new sign-ups only)
Anyone new signing up to Sainsburys Credit Card before 27th sept and spending £800 in the first three months will get 5k of Nectar points worth £25. Seems a good deal if you use if for big purchases … Read more
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For those who collect nectar points - you get them on all spends - not sure on how many tho.

Heat... may look into this, hardly get anything on my Tesco credit card now, and with the Boost ending I may find more use from Nectar anyway. Thanks for the heads up

EDIT:
If you apply by 27th September 2016, as a new customer, you'll qualify for an 5,000 extra Nectar points when you use our credit card to spend £800 on Sainsbury's shopping or fuel in the first 3 months
Edited by: "m.ad" 25th Aug 2016

Original Poster

looks like this on
es been a bit too complex judging by the neg votes, but I hope it has helped a few who know how to 'play the cards right'. As for the negative voters....stick to your video games and I'm sorry its not a PS4 deal
-57°
EXPIRED
Home & Garden
Sainsbury's Nectar Purchase Credit Card
Pay 0% interest on purchases for your first 25 months Pay 0% interest on balance transfers for your first 18 months (3% balance transfer fee applies. Minimum £3) No annual fee 18.9% APR Rewards In yo… Read more
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Sainsburys bank are complete and total muppets. my experience I know, but would never ever use them again!
68°
EXPIRED
Home & Garden
Sainsburys loans Price Promise.. for Nationwide Customers apr 2.8% loan
This is a bit long winded but if you are a Nectar card holder and apply for a loan between £7500 & £15000 over a maximum of 3 years you will/may get the special rate of 3.4%. brilliant rate. (3.5%… Read more
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Original Poster

Being honest I've got accepted for the loan from Sainsburys, when the forms come out to be signed you go see Nationwide after a bit of Googling its best to go in shop rather than over the phone as the decision is quicker..
I know Sainsburys won't have the money in the bank till 4/5 days after I return the form..
From memory the last loan i got with Nationwide was in the bank the next day..
so although it's possible to achieve 2.8% - paying for parts for my builder may have a huge influence on whether I go back to Sainsburys or just accept Nationwide.. and phone Sainsburys and cancel..
as there's not a huge saving over 2.9 and 2.8 %....
Also there's something in my mind that is saying Nationwide perform a soft search so not the same impact on credit report..
Edited by: "polg" 4th Nov 2015

Am a Nationwide customer and think this is great.Looking to turn garage into bedroom £140 will pay towards flooring.:)

I have nectar card and I am a nationwide customer but it is too much hasstle to save just £142 over 3 years

I am a Nationwide customer. Is the discount automatic or would I have to ring them / fill out a physical form? Amazing offer - heat added.