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Their own payment-practices filing · gov.uk

Sainsbury'S Bank PLC pays suppliers in 36 days on average — inside its 90-day stated terms

CRN 03279730 · Financial services · 17 statutory reports on record · period to 31 Aug 2026

36daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 54 days inside their stated 90-day term.

Slower than mostvs a 31-day median across 6,104 recent filers
Their stated terms
90 days
Paid outside agreed terms
1% of invoices
Paid after 61+ days
18%
Reporting period
1 Mar 2026 – 31 Aug 2026
Source
their gov.uk filing, filed 2 Oct 2026

Self-reported figures from their statutory filing. How this is compiled.

Terms vs reality · their H1 2026 filing

Paid 54 days inside the 90-day term they state

The pattern · last 6 of 17 reports

33 → 36 days — slowing down

The read · computed from their figures

Sainsbury'S Bank PLC's H1 2026 filing puts their average at 36 days against stated terms of 90 days; 1% of invoices were paid outside agreed terms and 18% took 61 days or longer. Filed 2 Oct 2026.

The direction is slower: from 33 days in H1 2024 to 36 now — 3 days slower across their last 6 reports.

On the latest reported averages: Slower than 85% of the 638 large companies reporting in financial services.

That is 17 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.

What they tell their suppliers

Offers e-invoicing

In their own words · from the filing

Standard payment terms

45 Days from invoice date

Dispute resolution

Disputes are resolved by negotiation involving the relevant parties

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 2026361%18%2 Oct 2026
H1 2026351%12%1 Apr 2026
H1 2025331%8%1 Oct 2025
H1 2025333%8%31 Mar 2025
H1 2024333%8%30 Sept 2024
H1 2024335%8%2 Apr 2024
H1 2023324%8%2 Oct 2023
H1 2023356%8%3 Apr 2023
H1 2022344%6%30 Sept 2022
H1 2022336%4%4 Apr 2022
H1 2021325%4%1 Oct 2021
H1 2021564%2%12 Apr 2021
H1 2020273%1%30 Sept 2020
H1 2020244%1%30 Mar 2020
H1 2019244%1%30 Sept 2019
H1 2019232%0%28 Mar 2019
H1 2018244%0%25 Sept 2018

On the public register · Companies House

Company record

Status
Active
Type
Private Limited Company
Incorporated
12 Nov 1996
Registered office
33 CHARTERHOUSE STREET, LONDON, EC1M 6HA
0 outstanding charges on the register Accounts due 30 Nov 2027

Open the full record at Companies House.

Quick answers · Sainsbury'S Bank PLC

Are they getting slower or faster?
Their reported average has moved about 3 days slower over the window (33 → 36 days).
What's their typical pay point?
Their latest filed report puts the average at day 36; across their last 6 reports it ranged 33–36 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.
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How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-03279730 · latest period to 31 Aug 2026

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