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Review of the Santander, 123 Credit Card:

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Cash back on regular purchases

I was offered this card when I opened a 123 current account, and it has been great. It pays cash back on supermarket purchases, petrol/train travel and department store purchases. I pay for all of these things with this to get the cash back. If I buy anything else not in these categories I pay by debit card. I have a direct debit to pay the card off in full every month. The cash back is paid onto the card. I have saved loads as I drive a lot for work and used to commute by train. You will be credit checked when you apply and it costs £2 a month but this is covered by the cash back on the card. Reviewed on: 25th August 2015

Review of the Santander, 123 Current Account (discontinued):

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A fruitful experience so far

I have had the Santander 123 account for nearly 2 years now. It is different from other current accounts in that it gets the best interest. After tax I get 2.4% interest on up to £20000. Other savings I have had to put elsewhere to get interest on the excess balance as their isa rate is useless. I also get cash back on direct debits on my phone contract, partners phone contract, electricity and gas, water, and council tax. This is a little extra each month that adds to the balance. You have to pay your salary into it, and have at least 2 direct debits for it to run. The branch is helpful, the online banking app is easy to use and it's just been a good bank to use. Reviewed on: 25th August 2015

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