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 26^th of 49 providers reviewed.

Customer happiness score	64.91%
Customer trust score	54.82%
Complaints performance	67.71%
Transparency rating	72.83%
Fairer Finance score Reviewed Autumn 2023	65%

Credit cards

Ranked 19^th of 34 providers reviewed.

Customer happiness score	63.77%
Customer trust score	55.1%
Complaints performance	73.09%
Transparency rating	45.97%
Fairer Finance score Reviewed Autumn 2023	59%

Home emergency cover

Ranked 21^st of 35 providers reviewed.

Customer happiness score	48.13%
Customer trust score	63.08%
Complaints performance	59.85%
Transparency rating	71.6%
Fairer Finance score Reviewed Autumn 2023	61%

Home insurance (building and contents)

Ranked 22^nd of 46 providers reviewed.

Customer happiness score	62.95%
Customer trust score	59.44%
Complaints performance	73.29%
Transparency rating	67.24%
Fairer Finance score Reviewed Autumn 2023	66%

Life insurance

Ranked 22^nd of 24 providers reviewed.

Claims score	71.00%
Complaints performance	85.31%
Transparency rating	53.56%
Fairer Finance score Reviewed Autumn 2023	70%

Personal loans

Ranked 13^th of 27 providers reviewed.

Customer happiness score	67.25%
Customer trust score	55.04%
Complaints performance	72.55%
Transparency rating	56.78%
Fairer Finance score Reviewed Autumn 2023	63%

Pet insurance

Ranked 3^rd of 35 providers reviewed.

Customer happiness score	60.99%
Customer trust score	60.22%
Complaints performance	87.82%
Transparency rating	77.8%
Fairer Finance score Reviewed Autumn 2023	72%

Savings Accounts

Ranked 42^nd of 53 providers reviewed.

Customer happiness score	46.03%
Customer trust score	45.63%
Complaints performance	72.57%
Transparency rating	74.08%
Fairer Finance score Reviewed Autumn 2023	60%

Travel insurance

Ranked 21^st of 44 providers reviewed.

Customer happiness score	56.67%
Customer trust score	55.78%
Complaints performance	60.55%
Transparency rating	57.96%
Fairer Finance score Reviewed Autumn 2023	58%

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

Cover limit for lost keys i	£0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i	£0.00
Windscreen repair excess i	Windscreen repair not covered
Windscreen replacement excess i	Windscreen replace not covered
Repairs guarantee (years) i	5 years
New car replacement i
Cover limit for stolen keys i	£0.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Duration of 0% balance transfer offer period i	20 months
Balance transfer fee during promotional period i	3%
Representative APR i	28.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	3%
Representative balance transfer rate i	2.141%
Risk based? i

Duration of purchases offer period i	3 months
Representative APR i	28.9%
Highest APR i	28.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	2.141%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Reward extras i
Representative APR i	28.9%
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%

Representative APR i	29.4%
Representative cash transaction interest rate i	2.204%
Representative purchase rate i	2.171%
Risk based? i
Initial minimum credit limit i	£1,000.00
Representative balance transfer rate i	2.171%
Statement Due Date Change Fee i	£5.00

Foreign purchase fee i	2.75%
Foreign withdrawal fee i	3%
Representative APR i	28.9%
Number of days before interest is charged on non-sterling cash transactions i	56 days
Risk based? i
Representative purchase rate i	2.141%

Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i	28.9%
Risk based? i
Representative cash transaction interest rate i	2.141%

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i	Add-On
Alternative Accommodation Cover i	£250.00
Unoccupied period i	30
Claims limit i	Unlimited

Theft from outbuildings i	£2,000.00
Matching sets (contents) i	50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i	£50,000.00
Escape of water excess i	£350.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£750.00
Trace and access i	£10,000.00
Buildings cover limit i
Money in the home i	£500.00
Contents sum insured i	£75,000.00
Visitor's possessions i	£500.00
Office equipment i	£5,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Escape of water excess (minimum) i	£350.00
Cancellation fee after 14 days i	£25.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£10,000.00
Replace belongings new for old i

Theft from outbuildings i	£2,000.00
Matching sets (contents) i	50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i	£50,000.00
Escape of water excess i	£350.00
Additional escape of water excess i	£0.00
Flood excess i	£100.00
Cover away from home offered for: jewellery	Optional
Keys/locks if lost or stolen (Buildings) i	£750.00
Trace and access i	£10,000.00
Buildings cover limit i
Money in the home i	£500.00
Contents sum insured i	£75,000.00
Visitor's possessions i	£500.00
Office equipment i	£5,000.00
Alternative accommodation cover limit for contents i	£15,000.00
Escape of water excess (minimum) i	£350.00
Cancellation fee after 14 days i	£25.00
Cancellation fee within 14 days i	£0.00
Contents compulsory excess i	£100.00
Property owner liability i	£2,000,000.00
Liability to domestic employees i	£10,000,000.00
Liability as a tenant i	£10,000.00
Replace belongings new for old i

Matching sets (Buildings) i	50% of the cost of replacing the undamaged parts
Escape of water excess (minimum) i	£350.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£350.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£25.00
Amendment fee (telephone) i	£15.00
Property owner liability i	£2,000,000.00

Matching sets (Buildings) i	50% of the cost of replacing the undamaged parts
Escape of water excess (minimum) i	£350.00
Buildings compulsory excess i	£100.00
Escape of water excess i	£350.00
Unoccupied period i	60.00
24hr helpline i
Cancellation fee after 14 days (buildings) i	£25.00
Amendment fee (telephone) i	£15.00
Property owner liability i	£2,000,000.00

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 length	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	£3,000.00
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
Is there an option to cover pre-existing conditions? 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	£7,500.00
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
Is there an option to cover pre-existing conditions? i

Type of cover i	Time-limited
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	£500.00
Boarding fees limit i	£1,000.00
Death benefit (illness) i	£1,000.00
Euthanasia cover limit i	£3,000.00
Cremation i	£200.00
Holiday cancellation i	£1,000.00
Holiday cover i	£3,000.00
Quarantine costs cover i	£1,000.00
Loss of PETS passport or other travel documents i	£250.00
Emergency expenses abroad i	£1,000.00
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
Is there an option to cover pre-existing conditions? i

Interest Rate (AER) i	5.25%
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	4.6%
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	4.5%
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
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	4.45%
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	4.4%
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

Credit builder 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

Motor Excess Cover

Personal Motor Excess Insurance

Personal loans

Pet insurance

Cat insurance

Dog insurance

Savings Accounts

1 Year Fixed Rate Accounts

2 Year Fixed Rate Accounts

3 Year Fixed Rate Accounts

4 Year Fixed Rate Accounts

5 Year Fixed Rate Accounts

Easy Access Accounts

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

2 Year Fixed Rate ISAs

3 Year Fixed Rate ISAs

Interest Rate (AER) i	4.53%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty i	If more than 3 withdrawals are made the interest rate will be 0.80%.
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
Additional Information i

Interest Rate (AER) i	3.05%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty 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
Penalty free withdrawals? i
Additional Information i

Interest Rate (AER) i	1.3%
Minimum Opening Balance i	£1.00
Maximum Balance i	£2,000,000.00
Part of FSCS i
Withdrawal Penalty 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
Penalty free withdrawals? i
Additional Information i

Interest Rate (AER) i	5.2%
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	4.55%
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	4.3%
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 270 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	4.91%
Minimum Opening Balance i	£1.00
Part of FSCS i
Withdrawal Penalty 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
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 documents cover limit i	£600.00
Cutting trip short (curtailment) cover limit i	£5,000.00
Abandoning your trip (abandonment) cover limit i	£5,000.00
Natural disaster relocation cover i
Natural disaster baggage cover i
Max trip duration i	62 days

Missed port departure cover limit i	£500.00
Re-joining a cruise cover limit i	£0.00
Cabin confinement cover limit i	£250.00
Missed port departure excess i	£0.00
Timetable/itinerary change cover limit i	£0.00
Unused excursions cover limit i	£300.00

Ski equipment owned cover limit i	£750.00
Single owned item cover limit i	£350.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i	£400.00
Avalanche closure cover limit i	£400.00
Piste closure cover limit i	£400.00
Ski equipment owned excess i	£50.00
Ski equipment hired i	£350.00
Single item limit for hired equipment i	£350.00
Unused ski pass due to illness or injury i	£400.00