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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)

Great card with cash back on purchases

Over the past year I have been even more impressed with my Santander Cashback Credit Card. As well as the 1-3% cashback on purchases, they also have a feature called My Offers where you can choose retailers to get even more cashback from. In the last month I made about £10 back on my purchases! I have had no issues with the account at all, in fact the only negative I would say is that they won't increase my credit limit to the level that some other banks will. Communication for the account has been absolutely fine and I have received responses whenever I have sent queries by online messaging. Reviewed on: 1st September 2016

Excellent service and hassle free

My Santander credit card gives cashback on all of my purchases. I had an issue where my card was lost and it was rectified immediately after one 4 minute phone call. The service was friendly and professional and superior to that of my previous provider. I have never had any issues with the card being accepted and would recommend the card to friends and family. Reviewed on: 1st September 2016

Good customer service

The Santander credit card has a good level of interest rate and does not charge any interest if you pay the balance off in full. As a Mastercard it is accepted in most shops and locations. i have only had to contact their customer service department once and got through quickly and they were very helpful. Reviewed on: 31st August 2016

Great Service

Customer Service excellent helpful and friendly. Good cashback on daily spending items. Even with the hike in fee still good. Reviewed on: 31st August 2016

Cashback

Great cashback on the things you always buy like groceries, petrol etc Reviewed on: 1st August 2016

123 account is the best current account

I recently changed my current account to the 123 current account. I am very pleased with the 3% interest on my balance and the cash back received for any direct debits. Reviewed on: 18th July 2016

123 Santander Credit Card

Great card for large ticket items. Purchased my USA holiday trip on it. This amounted to a large amount but allowed it to be split over 15 months Reviewed on: 30th June 2016

Paid for shopping!

Really easy to set up, offers cashback on everyday expenditure like petrol and food shops. Nice to know I'm saving a little as I'm shopping for nothing more than using my credit card. Reviewed on: 29th June 2016

Excellent service

Helpful and proactive in managing a suspected fraudulent transaction. Reviewed on: 23rd May 2016

Easy to use and a good app!

The credit card has been so simple to use, customer service is great and the app is so simple to use. Cashback is great too so all in all I couldn't improve it. Reviewed on: 17th May 2016

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