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.

Identity

Check their details

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.

Also trades as
  • Sainsburys Bank
  • Sainsbury's Insurance
  • Sainsbury's Money

Company details

From the company's Companies House record.

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)

Current directors and secretaries

Name Role Born Appointed
Robert Damien Mulhall Director Feb 1974 9 Apr 2024
Bruce Michael Richardson Director Feb 1970 1 May 2024
Helen Elizabeth Normoyle Director Oct 1967 18 Nov 2024
Patrick Joseph Short Director Sep 1977 1 Jul 2026
Joanna Alwen Harkus Madge Secretary Not published 1 Jul 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

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.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Sainsbury's Bank Plc

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Sainsbury's Finance

Complaints record

In January–June 2025, the Financial Ombudsman Service received 180 new complaints about this firm, and upheld 24% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 150
  • Insurance 30

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

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.
Is my money safe with SAINSBURY'S FINANCIAL SERVICES?
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.
Is SAINSBURY'S FINANCIAL SERVICES a scam or clone?
SAINSBURY'S FINANCIAL SERVICES is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is SAINSBURY'S FINANCIAL SERVICES's Firm Reference Number (FRN)?
SAINSBURY'S FINANCIAL SERVICES's FRN is 184514. You can verify it on the FCA register.