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Coronavirus Guidance and Help

Message from Jim Brown, CEO

Nothing is more important to us than the health and safety of our customers and our colleagues.

If you're concerned about being impacted financially due to Coronavirus (COVID-19), then we're here to support you.

If you're worried about being able to make your payments then you can contact us and we'll talk through your options with you. Remember you can use online banking to manage your account wherever you are, whenever you want.

Thank you and stay safe.

Jim Brown
Chief Executive Sainsbury's Bank & Argos Financial Services

What would you like to find out more about?

Ways To Manage Your Account

MYARGOSCARD.CO.UK - Make payments
- View and download your statements
- Set up a Minimum Payment Direct Debit
- Update your contact details
- Send us a secure message
- See our FAQs
MY ARGOS CARD APP - Make payments
- See your plan balances
- View and download your statements
- Update your contact details
- See our FAQs

Download the App here:

App Store

Google Play
AUTOMATED PHONE LINE - Make payments and check your payment due date
- Check your balance
- Set up a Minimum Payment Direct Debit
- Tell us if your Card is lost or stolen
ONLINE BANKING - If you're making a payment using your online banking, please use the last 18 digits of your Argos Card number as your reference (that's the long number across your Card) - i.e. leave out the first number, which is 6. So if, as an example, your Card number was 6335 41234 12345 12345 then your reference would be 335 41234 12345 12345
- Use our direct payment bank account number 90505498 and sort code 20-92-94

Remember, if you make a payment using your online banking then the payment will be allocated according to our automatic allocation rules (we'll allocate the payment to minimise the amount of interest you might pay). If you want to make a payment to a specific Buy Now, Pay Later plan then you'll need to use or the My Argos Card App.


Fraud awareness

Criminals are using the Coronavirus to trick people into revealing their personal and financial information. In some cases, they will pose as a genuine organisations, such as banks, police, government or health service providers such as the NHS or the World Health Organisation.

We will never ask you for all of your account details or ask you to update your account details in an SMS or email, so if you're concerned about your Argos Card account information, tell us as soon as possible by calling the number on the back of your Argos Card.

For more free expert advice on staying safe online, visit Take5 to find out more information, on how to protect yourself:

Help with bills

We understand that the Coronavirus outbreak may have caused you problems in making payments and so we have some solutions available if you are affected.
If your income has reduced and you're concerned about making payments to your Argos Card account, we could offer you a payment freeze on your normal credit and an extension on your Buy Now, Pay Later plans for 3 months.
If you feel that this is something you need call us on 03456 400 700.

Please note:

  • If we agree a payment freeze you will not be required to make a payment for the duration of the freeze.
  • Interest will continue to accrue so you will pay more interest overall on your Normal Credit.
  • If you do not clear your Buy Now, Pay Later plan by the extended end date more interest will be applied.
  • Due to interest continuing to accrue, your minimum payment will increase when your payments start again.
  • If you find you are able to make a payment during the period of your emergency payment freeze, then you may continue to do so, to reduce the amount of interest you will pay.
  • An emergency payment freeze will not impact your credit file.
  • It will take you longer to pay down your balance so taking a payment freeze or extending your Buy Now, Pay Later should be carefully considered.
  • If you have already had a payment freeze or a BNPL extension and are still experiencing financial difficulty, you may be eligible for a further payment freeze or BNPL plan extension if you can restart your payments in the next 3 months. You can request this up to the end of October, or if your financial difficulties are longer term we can support you in other ways. Please call us on 03456 400 700 so we can discuss your options.

Would you like further help managing your finances?

There are a number of organisations who can provide you with useful information, unbiased advice and support when dealing with debt. We’ve detailed some of them here, and you can talk to them about your financial concerns in complete confidence – we’d encourage you to take advantage of the help available. Please be aware that there are also many similar commercial companies that will charge you for this service.

Money Advice Service | 0800 138 7777*  
You might find it useful to work out a budget to help you keep track of your spending each month and prioritise debt repayments. This will help you understand how much money you have to pay your commitments as you go forward. has an online budget planner and a handy Money Navigator Tool to help you with this.

For most people, it makes sense to pay essential expenses and priority debts before any discretionary expenses or non-priority debts. To support with this, you can use guides such as the Money Advice Service 'How to Prioritise your debts' page. It is a good idea to contact all your creditors to discuss repayments. 

The Financial Conduct Authority 
The FCA has a section on their website about dealing with financial difficulty during Coronavirus here.

StepChange Debt Charity | 0800 138 1111*
A registered charity that offers free and impartial advice, their service is totally confidential, and supports anyone who needs advice and guidance to help them take control of their finances. You can visit their website at:

Citizens Advice Bureau
The CAB offers free face to face assistance to people with severe financial difficulties through their network of local offices. You can get the telephone number of your local bureau from The Phone Book, the local library or from their website:

Citizens Advice Scotland | | 0800 028 1456*
Citizens Advice England | | 0800 144 8848*
Citizens Advice Wales | | 03444 77 20 20*

Money Advice Trust
Free, independent debt advice to people across the UK through telephone and online services. Visit their website for more information:

National Debtline | 0808 808 4000* 
National Debtline provides free advice and resources to help people deal with their debts. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. National Debtline also helps people with their budget and look for ways to increase their income. Their service is available over the phone, through their website and via webchat.

Go to for information, resources and webchat.

Advice UK
Advice UK is the UK's largest support network for free, independent advice centres. It covers not only money and debt advice but, also other areas such as homelessness, drugs and alcohol, benefits, etc. Visit

PayPlan | 0800 280 2816*
Free debt advice and support - identifying and implementing the best solution for you.

Go to for information.

* These organisations all have different opening hours which may vary, so check their websites for details.

† Lines are open 8am to 6pm Monday to Saturday and 10am to 6pm Sunday. To maintain a quality of service, calls may be monitored or recorded. Call charges may vary please check with your provider.


Home Retail Group Card Services Ltd and Home Retail Group Insurance Services Ltd are member of the Finance & Leasing Association and complies with
its Lending Code, a copy of which is available at or can be provided on request.