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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

50% decrease 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)

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

Good but better companies out there

Company has bad policies and talk to you rudely in the bank, online team are helpful though Reviewed on: 26th November 2016

fantastic

never had any problems with Santander account , excellent online serivce Reviewed on: 22nd November 2016

Not as good as it was!

Rates / awards have dropped so no longer worth the bother, just traded it in for a non fee paying card with them. Reviewed on: 14th November 2016

Great account

I have had a 12e account for several years and have found it fantastic, the cashback is great. Reviewed on: 14th November 2016

Mediocre

Good service but system can be complicated Reviewed on: 27th September 2016

Santander Credit Card

Use it all the time. Quick response if there are issues. Highly recommended. Reviewed on: 12th September 2016

It's ok

I am considering leaving Santander because of the drop in interest rates. The credit card cost per year does not match the cash back amount offered. The service in branch is good. The card is accepted everywhere so that's a bonus. I could get more rewards from a credit card elsewhere. Reviewed on: 7th September 2016

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