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Santander: 123 credit card (discontinued) reviews

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3.99

Based on 162 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

48%

24%

13%

10%

Latest highest rating:

5

Very good. 5 sta Very good. Never had issues and had the card 10 years Reviewed on: 16th April 2026

Latest lowest rating:

1

Beyond incompetent and useless Beyond incompetent and useless. No words can express the radicicolous treatment given by this bank. I would advise anyone and everyone to avoid contac... Read more Reviewed on: 28th January 2025

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About this product

Santander 123 Credit Card reviews can help you to find out about the pros and cons of the 123 Credit Card credit card. What kind of features do Santander customers like? Find out more about the Santander 123 Credit Card by reading our trusted Smart Money People reviews. You can also write your own Santander 123 Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Santander 123 credit card (discontinued) reviews (162)

Very good. 5 sta

Very good. Never had issues and had the card 10 years Reviewed on: 16th April 2026

Always earn more than fee for essentials such as pet...

Always earn more than fee for essentials such as petrol and groceries Reviewed on: 23rd January 2026

Club, Personal, ISA and credit card products, no adv...

Club, Personal, ISA and credit card products, no adverse reports, always helpful friendly and acurate.A bit disappointed that rumours suggest that our local branch is closing meaning a 20 mile drive to the nearest branch. Reviewed on: 22nd January 2026

Statement and local branch

Statement is very clear and there is a local branch if I need to speak face to face with someone. Reviewed on: 12th June 2025

good but could be better with cashback

They could offer more cashback on spending so it's beneficial Reviewed on: 22nd April 2025

Had this account for 10 years, had really no problems.

Had this account for 10 years, had really no problems. Reviewed on: 13th April 2025

Good rates of interest, but competition offers better

Good rates of interest, but competition offers better Reviewed on: 2nd April 2025

Very efficient safe service and still on the high st...

Very efficient safe service and still on the high street, lots of banks aren’t Reviewed on: 2nd April 2025

great card and cashback .

great card and cashback . Have earnt hundreds f punds over the last 5 years so suggest getting one Reviewed on: 27th February 2025

Excellent service and great value.

Excellent service and great value. Reviewed on: 26th February 2025

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