Sainsbury's

Sainsbury's Bank was the UK's first supermarket bank when it was established in 1997. Originally a joint venture between Bank of Scotland and the supermarket from which it takes its name, Sainsbury's Bank is now fully owned by Sainsbury's. In September 2016, Sainsbury's completed its acquisition of Home Retail Group, the owner of Argos and Habitat.

They offer a range of financial services products which includes credit cards, savings and loans, travel money and car, home, pet, travel and life insurance.

Sainsbury's is registered in Holborn, London.

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Car insurance

Ranked 29^th of 53 providers reviewed.

Customer happiness	66.39%
Customer trust	58.4%
Complaints performance	68.83%
Transparency rating	66.91%
Fairer Finance score Reviewed Spring 2023	65%

Credit cards

Ranked 16^th of 31 providers reviewed.

Customer happiness	64.54%
Customer trust	56.49%
Complaints performance	74.5%
Transparency rating	47.22%
Fairer Finance score Reviewed Spring 2023	61%

Home Emergency Cover

Ranked 20^th of 28 providers reviewed.

Customer happiness	48.13%
Customer trust	56.07%
Complaints performance	65.24%
Transparency rating	70.73%
Fairer Finance score Reviewed Spring 2023	60%

Home insurance (building and contents)

Ranked 26^th of 48 providers reviewed.

Customer happiness	63.5%
Customer trust	60.46%
Complaints performance	64.23%
Transparency rating	75.56%
Fairer Finance score Reviewed Spring 2023	66%

Life insurance

Ranked 24^th of 25 providers reviewed.

Claims score	73.00%
Complaints performance	85.23%
Transparency rating	54.19%
Fairer Finance score Reviewed Spring 2023	71%

Personal loans

Ranked 10^th of 26 providers reviewed.

Customer happiness	65.1%
Customer trust	56.53%
Complaints performance	73.43%
Transparency rating	59.07%
Fairer Finance score Reviewed Spring 2023	64%

Pet insurance

Ranked 5^th of 34 providers reviewed.

Customer happiness	59.29%
Customer trust	57.88%
Complaints performance	89.55%
Transparency rating	76.03%
Fairer Finance score Reviewed Spring 2023	71%

Savings Accounts

Ranked 35^th of 53 providers reviewed.

Customer happiness	45.7%
Customer trust	48.83%
Complaints performance	73.47%
Transparency rating	79.51%
Fairer Finance score Reviewed Spring 2023	62%

Travel insurance

Ranked 26^th of 41 providers reviewed.

Customer happiness	47.98%
Customer trust	49.71%
Complaints performance	64.03%
Transparency rating	62.12%
Fairer Finance score Reviewed Spring 2023	56%

Cover limit for lost keys i	£1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	Unlimited
Windscreen repair excess i	£10.00
Windscreen replacement excess i	£75.00
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Duration of 0% balance transfer offer period i	21 or 17 months
Balance transfer fee during promotional period i	1%
Representative APR i	23.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	1%
Representative balance transfer rate i	1.805%
Risk based? i

Duration of 0% balance transfer offer period i	14 or 12 months
Balance transfer fee during promotional period i	0%
Representative APR i	23.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	0%
Representative balance transfer rate i	1.805%
Risk based? i

Duration of 0% balance transfer offer period i	26 or 22 months
Balance transfer fee during promotional period i	3%
Representative APR i	22.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3%
Representative balance transfer rate i	1.737%
Risk based? i

Duration of 0% balance transfer offer period i	23 or 19 months
Balance transfer fee during promotional period i	1.99%
Representative APR i	23.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	1.99%
Representative balance transfer rate i	1.805%
Risk based? i

Duration of 0% balance transfer offer period i	17 or 13 months
Balance transfer fee during promotional period i	3%
Representative APR i	23.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3%
Representative balance transfer rate i	1.805%
Risk based? i

Duration of 0% balance transfer offer period i	6 or 3 Months
Balance transfer fee during promotional period i	3%
Representative APR i	22.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3%
Representative balance transfer rate i	1.737%
Risk based? i

Duration of purchases offer period i	17 or 13 months
Representative APR i	23.9%
Highest APR i	29.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.805%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Duration of purchases offer period i	3 months
Representative APR i	22.9%
Highest APR i	28.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.737%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Reward extras i
Representative APR i	22.9%
Risk based? i
Annual fee in first year i	£0.00
Annual fee after first year i	£0.00
Foreign purchase fee i	2.75%

Reward extras i
Representative APR i	29.4%
Risk based? i
Annual fee in first year i	£0.00
Annual fee after first year i	£0.00
Foreign purchase fee i	2.75%

Foreign purchase fee i	2.75%
Foreign withdrawal fee i	3%
Representative APR i	22.9%
Number of days before interest is charged on non-sterling cash transactions i	0 days
Risk based? i
Representative purchase rate i	1.737%

Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i	22.9%
Risk based? i
Representative cash transaction interest rate i	1.941%

Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i	Covered under the home emergency policy
Cover Type i	Add-On
Home Emergency Cover limit i	£1,000.00
Minimum Excess i	£0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i	No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i	No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i	£500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i	£500.00
Domestic Power supply covered? i
Roof damage i	Covered under the home insurance policy
Pest infestation cover i
Underwriter i	Inter Partner Assistance SA
Maximum Excess i	£0.00
Alternative Accommodation Cover i	£250.00
24/7 Claims Helpline i
Unoccupied period i	30

Alternative accommodation cover limit for buildings i	£50,000.00
Matching sets (contents) i	50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i	£3,000.00
Escape of water excess i	£350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i	£15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i	£750.00
Keys/locks if lost or stolen (Buildings) i	£750.00
Money in the home i	£500.00
Replace belongings new for old i
Trace and access i	£10,000.00
Matching sets (Buildings) i	50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i	£450.00
Compulsory excess (contents) i	£100.00
Additional flood excess i	£0.00
Standard excess for subsidence claims	£1,000.00
Liability as a tenant i	£10,000.00
Liability to domestic employees i	£10,000,000.00
Property owner liability i	£2,000,000.00
Buildings cover limit i
Contents cover limit i	£75,000.00
Underwriter	Panel of insurers
24hr helpline i
Unoccupied period i	60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i	£15.00
Cancellation fee after 14 days i	£25.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days	£0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection	Sum insured
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents	Sum insured
Visitor's possessions	£500.00
Out in open cover
Frozen Food Cover	£1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i	Sum Insured
Credit cards i	Sum Insured
Storage fees (alternative accommodation) i
Garden plants i
Business equipment	£5,000.00
Household removals
Student's belongings i
Shopping in transit i	£0.00
Cover Away from Home offered for: Electronics	Optional
Cover away from home offered for: money	Optional
Cover away from home offered for: jewellery	Optional
Cover away from home offered for: bicycles & other	Optional
Special events (weddings and civil ceremonies) - limit	Sum Insured
Special events (weddings and civil ceremonies) - days	30 days
Special events (births) - limit	Sum Insured
Special events (births) - days	30 days
Special events (anniversaries and birthdays) - limit	Sum Insured
Special events (anniversaries and birthdays) - days	30 days
Special events (religious events) - limit	Sum Insured
Special events (religious events) - days	30 days
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i	£0.00
Medical equipment loan i	£0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i	Not Defined
Rainfall (mm) i	25 mm per hour
Windspeed (mph) i	47mph

Age when premiums stop i	90
Cover for accidental death in waiting period i	Full payout
How long after policy is started can full benefits be claimed? i	12 months
Cover type (level or increasing) i	Level
Signing up incentive i	20,000 Nectar Points
Minimum age i	50
Maximum age i	80
Cover for non-accidental death in waiting period (% of premiums paid) i	100%
Payout for accidental death outside waiting period i	Full payout
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Can you reduce monthly payments? i	Yes (after one year)
If a payment is missed, how long until the policy is cancelled? i	30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i	Not offered
Funeral benefit option provider i	Not offered

Representative APR (on £5,000 loan, 36 month term)	Illustrative rates shown
Unpaid Repayment Fee i	£25.00
Early settlement fee (Days interest)	58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount	£1,000.00
Maximum borrowing amount	£40,000.00
Minimum borrowing length	12 months
Maximum borrowing amount	84 months

Type of cover i	Maximum benefit, condition
Medical cover limit i	£3,000.00
Medical excess i	£99.00
Annual policy limit i
Annual condition limit i
Lifetime policy limit i
Lifetime condition limit i	£3,000.00
Dental cover (if due to an accident) i	£3,000.00
Cruciate ligament damage i	£3,000.00
CT scans i	£3,000.00
MRI scans i	£3,000.00
Prescription diet (treatment of bladder stones only) i	£3,000.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£1,500.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£200.00
Cremation i	£200.00
Holiday cancellation i	£1,500.00
Holiday cover i	£3,000.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£1,500.00
Maximum number of days abroad i	90 days
Age when compulsory excess rises i	10 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Type of cover i	Lifetime, annual
Medical cover limit i	£7,500.00
Medical excess i	£99.00
Annual policy limit i	£7,500.00
Annual condition limit i
Lifetime policy limit i	Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i	£7,500.00
Cruciate ligament damage i	£7,500.00
CT scans i	£7,500.00
MRI scans i	£7,500.00
Prescription diet (treatment of bladder stones only) i	£7,500.00
Complementary treatment i	£1,500.00
Boarding fees limit i	£1,500.00
Death benefit (illness) i	£1,500.00
Euthanasia cover limit i	£200.00
Cremation i	£200.00
Holiday cancellation i	£3,000.00
Holiday cover i	£7,500.00
Quarantine costs cover i	£1,500.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£1,500.00
Maximum number of days abroad i	90 days
Age when compulsory excess rises i	10 years
Cancellation fee i	£0.00
Amendment fee i	£0.00
If renewed, are existing conditions covered? i

Interest Rate (AER) i	4.01%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Sainsbury's

Car insurance

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Cashback and reward credit cards

Foreign use credit cards

Money transfer credit cards

Home Emergency Cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

Personal loans

Pet insurance

Cat insurance

Dog insurance

Interest Rate (AER) i	4.05%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	3.9%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	3.75%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i	£1,000,000.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Interest Rate (AER) i	3.05%
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i	If there are 3 or less withdrawals in each 12 month period then the account holder will earn 2.50% on balances between £1,000 - £500,000, 1.05% between £1.00 - £999 and 0.9% on balances over £500,000. If more than 3 withdawals are made the interest rate will be 0.80% on all balances up to £2,000,000.
Additional Information i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Interest Rate (AER) i	0.7%
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Interest Rate (AER) i	4.12%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	4.21%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	Earlier access costs 150 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.5%
Minimum Opening Balance i	£5,000.00
What happens at maturity? i	The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i	Earlier access costs 240 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Interest Rate (AER) i	3.4%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i	£1.00
Minimum Age to Open Account i	18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Medical excess i	£50.00
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i	£2,000.00
Cancelling before travel cover limit i	£5,000.00
Emergency medical cover and repatriation cover limit i	£15,000,000.00
Mental health cover i
Personal money i	£500.00
Combined passport & travel cover limit i	£600.00
Cutting trip short cover limit i	£5,000.00
Abandoning your trip cover limit i	£5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	62 days