Your Sainsbury's Bank loan

You can call NatWest from Monday 3rd November or view your loan online or within the mobile app, you can download and register for the mobile app here - Mobile Banking | Register and Download the App | NatWest

Yes, if you have a live quote that has been issued by Sainsbury's Bank we will honour it. Quotes are live for 28 days.

If your quote is over 28 days then you will need to get a new quote from NatWest.

Alternatively, you can choose to go through another Early settlement quote following our simple mobile journey, within your loan go to ‘Payment options’ ‘Repay in full’ 

At NatWest we only post loan payments and interest Monday-Friday. Please refer to the letter that we sent out to you in August 2025 about the change of your loan from Sainsbury's Bank to NatWest.

Within NatWest we charge arrears interest from the day you first miss a loan payment.

Please refer to the letter that we sent out to you in August 2025 about the change of your loan from Sainsbury's Bank to NatWest.

The good news is that you will not be charged a late payment fee with NatWest, as we do not charge late payment fees

The best way to pay your regular loan payments is via Direct Debit payment.

If you already have a Direct Debit set up with Sainsbury’s Bank this will automatically transfer.

Alternatively, you can make a payment from your current account straight into the loan account using your NatWest Loan sort code and account number.

If you haven't yet received your new NatWest Loan account number and sort code, please continue to pay using your Sainsbury's Bank account details until you receive them.

We sent you a letter in August 2025, advising that we don't accept cheque or chaps payments directly into a loan.

For guidance on making additional payments to loan please visit our support page Manage my Loan | Existing Loan | NatWest

You’ll continue to pay the same monthly amount for your loan on the same date and the term will not change.

The way Sainsbury’s Bank and NatWest systems calculate and apply interest is different.  As a result NatWest may make a small adjustment to your account which means that the interest rate shown on your NatWest statement may be different to the interest rate you usually see. 

This won’t impact how much you pay each month or the total to pay off your loan, as long as you pay in line with your loan agreement.

You will receive loan statements annually on the anniversary of moving onto NatWest systems.

Sainsbury's Bank will send you a final statement.

Going forward if you have a joint loan account each of the named borrowers on the account will receive a copy of the statement.