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Make the most of Sainsbury's Bank with Nectar offers
How it works
Include your Nectar card number when you apply for or buy a Sainsbury’s Bank product, and you can get money off or lower prices. It’s a little something extra for our Nectar members. What’s more, some of our products come with a one-off Nectar points bonus or (like with our credit cards) the chance to collect extra points on your usual spending.
Join Nectar 
Not a Nectar member? No problem. Just download the Nectar app or register at nectar.com 
Insurances
Pet Insurance
Nectar members get a guaranteed discount when you buy a new pet insurance policy. T&C’s and exclusions apply. * Pet insurance is provided by Pinnacle Insurance plc.
Home Insurance
Nectar members get a guaranteed discount when you buy a new home insurance policy. T&C’s and exclusions apply. * Underwritten by a carefully selected range of insurers.
Car Insurance
Nectar members get a guaranteed discount when you buy a new car insurance policy. T&C’s and exclusions apply.* Underwritten by a carefully selected range of insurers.
Life Insurance
Get up to 22,000 Nectar points ± after you take out a new policy. Points award is based on your premium. Only choose a premium you can afford and the level of cover you need. T&C’s and exclusions apply. Provided by Legal & General.
Travel
Travel money
Get Nectar Prices †† on over 50 currencies. Simply order online or at one of our instore bureaux.
Travel Insurance
Nectar members save up to 20% on travel insurance policies.^ T&C’s and exclusions apply. Underwritten by Great Lakes Insurance UK Ltd.
Further help
Taking advantage of offers is a great idea, but if you need more support then make sure to take a look at our cost of living hub. If you’re struggling with your finances and worried about an upcoming payment, please visit our contact centre and get in touch - we’re here to help.
Frequently asked questions
Where can Nectar points be used?
Nectar points could be spent at various partner retailers and businesses in the UK. Some common places where you could spend Nectar points include: Sainsbury’s, Argos, eBay, Sky, British Airways etc. Find out more at nectar.com.
When do Nectar offers change?
Nectar will tell you about offers that they think you'll like in their email newsletter, at nectar.com and in the Nectar app. If you often collect and spend points while you're out and about, the app is a handy way to have your offers with you, whatever your plans.
Do Nectar points expire?
Nectar points don't expire on their own, but if you don't use or earn any for a year, we'll assume you're not into Nectar anymore and will close your account.
How do I become a Nectar member?
Just download the Nectar app or register at nectar.com.
Where do I find my Nectar card number?
Your Nectar card number is the 11 digits on your plastic card.
I don’t have a Nectar card yet, how do I find my Nectar card number?
You can access your Nectar card number by signing in to your Nectar account and seleting the 'Account' tab.
What are Nectar bonus points?
Bonus points are a special offer to help boost your points balance and get the rewards you want faster.
How do I find out my Nectar points balance?
You can see your balance by logging in to your account at nectar.com or by using the Nectar app. Your balance is also shown at the bottom of your Sainsbury's till receipt.
Can I link my Nectar account to my Sainsbury's Bank Credit Card to collect more Nectar points?
To collect more points on every day spend, simply log into your Sainsbury’s Bank Credit Card app and tap “Your linked Nectar account” to link your card. You can then get up to 3 Nectar
points for every £2 spent at Sainsbury's,
Terms and conditions
† Up to 3 Nectar points per £2 spent
1. You can collect points by paying with your credit card.
2. We’ll award 1 point for each full £2 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafés, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
4. We don’t award points on Travel Money purchases.
5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
6. You can collect additional points from Nectar partners, including up to 1 point per £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
7. We and other Nectar partners may change the rate at which you collect points, or stop awarding them altogether at any time. If we do this, we’ll give you at least 30 days notice.
8. No cash alternative is available.
9. This offer is governed by English law and we reserve the right to change or cancel it without notice.
Loans Important Information
We treat all our customers and their applications on an individual basis. The APR we offer is determined by the details you supply and the loan you are applying for, along with an independent verification of your credit and repayment. Nectar members can borrow up to £40,000. Non-Nectar members can borrow up to £25,000.
* Pet, Home & Car Guaranteed Discount for Nectar members
The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar card. For more information go to sainsburysbank.co.uk/nectar.
†† Travel Money better rates for Nectar members
Nectar members receive better exchange rates on single purchase transactions of all available foreign currencies. Not avaliable on Sterling, excludes travel money card home delivery orders and online reloads. Exchange rates may vary depending on whether you buy in store, online or by phone. You need to tell us your Nectar card number at the time of your transaction. This offer is governed by English law and we reserve the right to change or cancel it without notice.
^ Travel Insurance up to 20% discount for Nectar members
Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.
± Life Insurance up to 22,000 Nectar points
1. This offer is only available when you take out a new Life Insurance or Decreasing Life Insurance policy. Purchases through price comparison, cashback, voucher code and similar sites are excluded.
2. We award points based on your monthly premium. You'll get: 22,000 points (worth up to £110) if your monthly premium is £20.00,16,000 points (worth up to £80) if your premium is £8.50-£20.00 or 10,000 points (worth up to £50) if your premium is under £8.50.
3. We’ll add the points to your Nectar account after you’ve paid 5 months’ premiums, within the following 60 days.
4. You need to tell us your Nectar card number when you apply.
5. We'll award points on no more than 2 policies per household in any 12 month period.
6. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
7. This offer is governed by English law and we reserve the right to change or cancel it without notice.
Legal & General Assurance Society Limited Registered in England and Wales No. 00166055. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.