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Santander: 123 Credit Card reviews

Name: Santander 123 Credit Card
Brand: Santander
Rating: 2.54 (196 reviews)

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3.91

Based on 159 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

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

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 reviews (159)

Was good but getting worse

The santander 123 card used to be great, but not so good now! Reviewed on: 19th December 2016

Not happy the rate is dropping soon

Good because of the cashback it pays. That said, it's about to be cut though so will drop rating to 'just ok' Reviewed on: 19th December 2016

Great

Good for the 0% for two years , not sure if I will continue after but has been good to use and i get the cash back to cover the cost of the card which is 3 pound a month Reviewed on: 18th December 2016

Poor customer service

I don't like their customer service at Santander. They get things mixed up too easily. Reviewed on: 16th December 2016

Good...for now

The 123 card is good... for now. It's 0% and contactless which I like. Reviewed on: 15th December 2016

Pros and cons

The 123 card is just OK. They offer cashback which is great, but they have introduced a monthly charge - bad! Reviewed on: 15th December 2016

123 account

This account is great, especially their students one. Great interest Reviewed on: 11th December 2016

OK

I use the Santander 123 card with my account which you get cashback on for your spends. its good but the interest is quite high, so its ok. Reviewed on: 7th December 2016

Good cashback

The Santander 123 credit card is good because it gives cashback on purchases Reviewed on: 30th November 2016

Got it for the 123 account

The Santander 123 is OK - don't actually use it, just have it so I can get a better 123 ISA rate :) Reviewed on: 28th November 2016

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