Sainsbury's Financial Services Limited

Reference number: 184514

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When sainsburysbank.co.uk first appeared online, and whether it can receive email
  • What kind of line 024 7651 9332 is
  • Who else gives the postcode EC1M 6HA
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Other names (5)

If you were contacted under any of these names, it is this firm.

  • Sainsburys Bank Trading name
  • Sainsbury's Insurance Trading name
  • Sainsbury's Money Trading name
  • Sainsbury's Bank Plc Former name
  • Sainsbury's Finance Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Access to the electoral register
    The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer review exercise.

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
180
upheld, against a 31% median
24%
about banking and credit
150

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
03279730
Company status
Active
Company type
Private limited company
Incorporated
12 November 1996 (29 years old)
Registered office
33 Charterhouse Street, London, EC1M 6HA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert Damien Mulhall Director Feb 1974 9 Apr 2024 None
Bruce Michael Richardson Director Feb 1970 1 May 2024 26 other companies
Helen Elizabeth Normoyle Director Oct 1967 18 Nov 2024 8 other companies
Patrick Joseph Short Director Sep 1977 1 Jul 2026 2 other companies
Joanna Alwen Harkus Madge Secretary Not published 1 Jul 2026 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
36
closed down
11
went insolvent
1

In the full report: all 36 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 2 on the FCA register
  • All 80 people who have ever been directors, with their dates
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Key dates in its history

Sainsbury's Financial Services’s history from the FCA register and Companies House, newest first.

Key events (11) All events (175)

2026

1 July 2026

  • No longer regulated by the Prudential Regulation Authority

FCA register · Companies House

25 June 2026

  • Changed its registered name from "Sainsbury's Bank Plc"

FCA register

2025

28 August 2025

  • Sainsbury's Holdings Limited took control (75–100% of shares)

Companies House

2016

26 October 2016

  • J Sainsbury PLC gained significant control

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2003

23 September 2003

  • FCA imposed a requirement (Access to the electoral register)

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1998

1 June 1998

  • Regulated by the Financial Services Authority from this date

FCA register

1996

12 November 1996

  • Incorporated at Companies House

Companies House

In the full report: all 175 events

  • All 175 events in its history (11 shown here)
  • Every director appointment and resignation: 154
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Firms connected to Sainsbury's Financial Services

Other FCA-listed firms that share a director, phone number or address with Sainsbury's Financial Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its postcode
4
past links
2

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 2 past links through former directors
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Firms like Sainsbury's Financial Services

Other firms of the same type (lender), nearest first.

In London

Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorisedSalary Finance Loans LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Sainsbury's Financial Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 36 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 175 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sainsbury's Financial Services Limited FCA authorised?
Yes, Sainsbury's Financial Services Limited (FRN 184514) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a lender. The FCA has placed a limit on what it may do.
What is Sainsbury's Financial Services’ phone number and website?
The FCA register lists the phone number 024 7651 9332 and the website sainsburysbank.co.uk for Sainsbury's Financial Services. If you were given different contact details, use these to check with the firm before going any further.
Is Sainsbury's Financial Services a scam or clone?
Sainsbury's Financial Services is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Sainsbury's Financial Services?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Sainsbury's Financial Services to the Financial Ombudsman Service, free of charge.
Who owns Sainsbury's Financial Services?
Sainsbury's Financial Services is owned by Sainsbury's Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 28 August 2025.
Who runs Sainsbury's Financial Services?
Companies House lists 4 directors of Sainsbury's Financial Services: Robert Damien Mulhall, Bruce Michael Richardson, Helen Elizabeth Normoyle and Patrick Joseph Short.
How long has Sainsbury's Financial Services been in business?
The company was formed on 12 November 1996, and has held its current FCA authorisation since December 2001.
How many complaints does Sainsbury's Financial Services get?
In January–June 2025, the Financial Ombudsman Service received 180 new complaints about Sainsbury's Financial Services, and upheld 24% of those it decided.
Does Sainsbury's Financial Services use any other names?
It trades as Sainsburys Bank, Sainsbury's Insurance and Sainsbury's Money. It has previously used 2 other names: Sainsbury's Bank Plc and Sainsbury's Finance.

Sources and links

The full report on Sainsbury's Financial Services Limited

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