Sainsburys Bank Nectar Credit Card Reviews

  Ratings based on 64 reviews       Last review 1 month ago    

Sainsburys Bank Nectar Credit Card reviews can help you to find out about the pros and cons of the Sainsbury's Nectar credit card. What kind of features do Sainsburys Bank customers like? Find out more about the Sainsburys Bank Sainsbury's Nectar...

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Sainsburys Bank Nectar Credit Card reviews can help you to find out about the pros and cons of the Sainsbury's Nectar credit card. What kind of features do Sainsburys Bank customers like? Find out more about the Sainsburys Bank Sainsbury's Nectar Credit Card by reading our trusted Smart Money People reviews. You can also write your own Sainsburys Bank Sainsbury's Nectar Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Overall Rating

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Sainsburys Bank Review Insight

What are people saying in their reviews?

Customer Service

36% of feedback is Process related

Customer profile

Top Age Profile: 25-34

Top Channel Preference: Online

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Your Nectar Credit Card Reviews

64 reviews

Review Sainsburys Bank's Nectar Credit Card now

Impossible to contact

Quite literally the most frustrating company to deal with. You cannot speak to a human to discuss an issue that is not on their automated online list. It is appalling customer service and they need to sort it out.

Reviewed on 26th November 2021
D Connolly's avatar
D Connolly

It's fair and lucrative!

It's worth being a customer of Sainsburys as their shop prices are fair and one received Nectar points on its value AND for the Nectar card spend!

Reviewed on 3rd September 2021
C R B's avatar
C R B

A great 0% transfer product

Very easy to use website, extremely clear on all statements when my 0% Period ran out. They even emailed me to tell me when my 0% period was about to run out and gave me an idea of how much extra interest I would have to pay if I didn’t clear it. One s... Read more

Very easy to use website, extremely clear on all statements when my 0% Period ran out. They even emailed me to tell me when my 0% period was about to run out and gave me an idea of how much extra interest I would have to pay if I didn’t clear it. One small gripe is that the email arrived just a few days after the key date - they just need to work on their timings! But really impressed with the clear transparency of their statements and online offering.

Reviewed on 24th March 2021
Shropshire lass's avatar
Shropshire lass

Good customer service

Helpful and straightforward service

Reviewed on 18th February 2021
Aaron Gillman's avatar
Aaron Gillman

Useless non existent customer service.......

Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when... Read more

Unable to access website in order to settle account. Hours spent trying to get through to customer service. Appallingly unhelpful customer service agents when I eventually did get to speak to someone. Unable to exercise a degree of common sense when faced with something off script.....quite frankly, the second my zero percent offer is up I will DEFINITELY be going else where and never intend on using their services again.....however until that time I'll be making sure I milk every single penny from the zero percent period ;) ...well it's the very least they can do for making me have to deal with such a useless company/staff

Reviewed on 15th January 2021
Deborah's avatar
Deborah

Purposely misleading - avoid

Sainsbury’s Bank in their online process at the checkout stage present balance transfer and money transfer in an identical way and make them appear interchangeable. There is nothing to indicate that one is on promotion of 0% and the other is 25.95% A... Read more

Sainsbury’s Bank in their online process at the checkout stage present balance transfer and money transfer in an identical way and make them appear interchangeable. There is nothing to indicate that one is on promotion of 0% and the other is 25.95% APR.

These options were introduced in this way to deliberately mislead and cause error leading to damage to the consumer and profit gain to the Bank. There is no design or other logical reason to present these in this way at the checkout stage. Despite requests the full user-journey was not shared, only a final screenshoot. Such systemic practices both harm the consumer and are anti-competitive as it gives financial gain to Saunsbury's Bank versus other Banks with ethical design practices. It is classic "Bait & switch" as described by darkpatterns.org

Statement from Jim Brown CEO Sainsbury's Bank:

"I understand Matthew has shared a screenshot with you from your application process which explains the difference between a balance transfer and a money transfer. I am satisfied our online application process has been followed correctly and sufficient information has been provided to allow you to make an informed choice."

This is totally false statement.

Untrustworthy and deceitful organisation. Avoid.

Reviewed on 20th November 2020
Tony's avatar
Tony

Horrified to find they don't automatically transfer refunds from your previous card

I have been left gobsmacked by my discovery last week that if they issue a replacement card for any reason, whether out of date, lost or hacked, they do not automatically transfer any credits that come in to the old number to the new card, although... Read more

I have been left gobsmacked by my discovery last week that if they issue a replacement card for any reason, whether out of date, lost or hacked, they do not automatically transfer any credits that come in to the old number to the new card, although the account remains the same. My card was replaced in May. Due to Covid I had had to cancel a lot of travel plans, some pre-paid, and refunds were due. I knew some were outstanding but presumed it was because of Covid delays. However, with some due last May I decided to check with a couple of places and discovered they had made the refunds, going back to May in some cases. I rang Sainsburys and was told that they did not automatically transfer credits from the former number to the new one, but only did so if instructed to by the customer - and that is not an ongoing instruction for all future credits but an instruction each time any credits might be due in. I was truly horrified. There were credits of about £600 sat there under the old card, which presumably Sainsbury's were taking advantage of, with no notification that they were there. The word fraud came to mind at that stage, I must admit. The person said they would manually transfer the refunds. Several days later the refunds had not appeared on the online account and I still could not believe what I'd told was true, so I called again. They confirmed the transfers had been done and said another refund was now on the old account, did I want it transferred! I will now have to keep phoning to check for late refunds. But they confirmed what I had been told. I really am horrified by this. I cannot find anywhere to send a complaint to them; it all seems to be phone numbers, but I want to put something in writing, hence this review. I checked with NatWest, my main bank and with whom I have my other credit card, to check their policy, and they seemed surprised I was even querying whether any late credits would be transferred! Of course they would be! I noticed on my last Sainsbury's statement there were a few very late payments taken out with 'correction' after them, and realised they were from the previous card. So they had transferred them across! But if someone tries to take a payment from an old card number it is refused so they get in touch with you for a new method. Why then does that not happen with refunds? Why aren't they refused and whoever is making them referred to the customer for an update? I really do feel this verges on illegal and would love to know what more I can do about it. Closing the account is not an option and then I'd lose anything else that came through altogether. I haven't had any problems with them until this and really think they should have a rethink. The policy has been confirmed to me twice by phone and once in a message.

Reviewed on 15th August 2020
Ann Parsons's avatar
Ann Parsons

Good

Sainsburys are a good bank and the credit card is fine. The website works well and easy to navigate. Unfortunately you can only pay the credit card via phone or bacs which is less than ideal. I think they should set up that facility.

Reviewed on 27th April 2020
Emma T's avatar
Emma T

It shouldn't take five months...

… to fix the OnLine "Make a Payment" screen.

Reviewed on 23rd November 2019
NormanAHudson's avatar
NormanAHudson

Hassle free!

Never had a problem with them, I'm constantly getting an additional limit and I love knowing that I'm earning Nectar points as well.

Reviewed on 9th June 2019
PrincessDS's avatar
PrincessDS

I always always recommend Sainsburys for best Apr offere

Saunsburys customer service is always excellent and they were the only company who offered a payment holiday when I needed a payment break when changing jobs. Such lovely staff who are always helpful.

Reviewed on 4th June 2019
Wendy's avatar
Wendy

Great Card - poor admin

0% Interest for 30 months plus a high limit is really useful; the best I found. But their website is terrible, sadly. Hard work viewing transactions, and I've found statement reminders are a bit hit or miss, plus the statements themselves aren't often... Read more

0% Interest for 30 months plus a high limit is really useful; the best I found. But their website is terrible, sadly. Hard work viewing transactions, and I've found statement reminders are a bit hit or miss, plus the statements themselves aren't often published on time. Could do with a massive overhaul, and/or an app.

Reviewed on 15th April 2019
Stuart Blundell's avatar
Stuart Blundell

Incompetent bank

They make it very difficult to use their online banking service - when it comes to trying to get your money out. Several unnecessary validations are needed that mean your instant access account is not really instant access it's a month's notice... Read more

They make it very difficult to use their online banking service - when it comes to trying to get your money out. Several unnecessary validations are needed that mean your instant access account is not really instant access it's a month's notice account. Very dodgy bunch. Stay well clear to avoid stress.

Reviewed on 12th November 2018
John's avatar
John

Appalling

Blocked my card for no reason. Terrible customer service and very rude

Reviewed on 30th October 2018
Sunny's avatar
Sunny

Have stopped getting Nectar points fro my spending

Have had a SB Nectar card for several years and got a monthly credit of points for usage of the card. In July they changed the design of the statements and I stopped being credited with my points. The points reconciliation was missing from the July &... Read more

Have had a SB Nectar card for several years and got a monthly credit of points for usage of the card. In July they changed the design of the statements and I stopped being credited with my points. The points reconciliation was missing from the July & August statements and then reappeared in September but did not make much sense. I called them, had to wait a long time to get through to a person and then was told there was a problem which they were sorting out. A month later and I am now missing 4 months worth of points. Very poor service from a reputable company like Sainsburys.

Reviewed on 22nd October 2018
TerryM's avatar
TerryM

Terrible customer service

Terrible customer service Still waiting for a response to a written complaint made in July. They sent me a reference number but nothing since despite two email reminders and three messages left via on line banking. Sainsbury obviously care nothing... Read more

Terrible customer service Still waiting for a response to a written complaint made in July. They sent me a reference number but nothing since despite two email reminders and three messages left via on line banking. Sainsbury obviously care nothing about their customers. Time to change banks I think.

Reviewed on 10th October 2018
Karen H's avatar
Karen H

Incompetent

Unbelievable incompetence and couldn't give a damn attitude. A mistake by them took months to sort out, eventually the mistake was found by a RIVAL bank. Telephone contact often took between 30 minutes and 1 hour. Not even an apology from them. I've... Read more

Unbelievable incompetence and couldn't give a damn attitude. A mistake by them took months to sort out, eventually the mistake was found by a RIVAL bank. Telephone contact often took between 30 minutes and 1 hour. Not even an apology from them. I've just cancelled this card and will never use this bunch again. Time after time they said there was nothing wrong with their transactions, for weeks and weeks, yet they had transposed one digit and sent £2,900 to a random account.

Reviewed on 2nd September 2018
edin's avatar
edin

No app & a lot of hard work...

Although applying for the account online took a couple of minutes, it took nearly 3 weeks for the paperwork to arrive & activating the card / signing up for online banking was more hard work than it needed to be. I do like the text reminders for... Read more

Although applying for the account online took a couple of minutes, it took nearly 3 weeks for the paperwork to arrive & activating the card / signing up for online banking was more hard work than it needed to be. I do like the text reminders for payments but this was one of those cards where I watched daily for the payment to leave my account (even after I checked over the phone & via social media) - I just didn't trust that it was in place. Having moved from a bank with an app, I miss it!

Reviewed on 13th August 2018
Michael Harris's avatar
Michael Harris

No help

Taking out a Sainsbury credit card was a giant mistake on my part. Terrible and unclear paperwork, old system making payments inpossible and very very long waits on telephone. With sainsbury credit card I've had none stop problems . Now changed to... Read more

Taking out a Sainsbury credit card was a giant mistake on my part. Terrible and unclear paperwork, old system making payments inpossible and very very long waits on telephone. With sainsbury credit card I've had none stop problems . Now changed to tesco. Fantastic easy to pay, see balance quick.

Reviewed on 3rd August 2018
Nathan 's avatar
Nathan

You have to experience Sainsburys to appreciate how truly bad it is

The worst customer service I have ever experienced, online banking options are limited so you can't avoid calling customer services and so far this week I've spent around 7 hours on hold in total and got nowhere. They hung up on me twice and three... Read more

The worst customer service I have ever experienced, online banking options are limited so you can't avoid calling customer services and so far this week I've spent around 7 hours on hold in total and got nowhere. They hung up on me twice and three times I've been told by someone with zero customer service training that they can't help but will transfer me to someone who can and then just dump my call to the back of the queue on hold again. I wish I had read some of these reviews before using their services, I intend to cancel my dealings with them as soon as I can speak to someone

Reviewed on 2nd August 2018
Kathy Guilfoyle's avatar
Kathy Guilfoyle