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Santander: 123 credit card (discontinued) reviews

Name: 123 credit card (discontinued)
Rating: 3.95 (161 reviews)

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3.96

Based on 161 reviews, last reviewed 23rd Jan 2026

200% 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

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

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 (161)

Bank accounts

All availalable options are made easy for you to undetstand and mske your choice from Reviewed on: 27th June 2017

Good credit card

Had no issues with them. Customer service very helpful. Great product Reviewed on: 10th June 2017

123 Credit Card

we have used this for some time now for when we need to purchase something large when we don't have the spare cash at hand to pay out in one large sum. Reviewed on: 30th May 2017

Very good experience so far

I've had a 123 Crdit card for a few years now and touch wood, it's been great. I'm still earning more cash back than fee costs, and I had one experience of card details being cloned or stolen which Santander sorted out extremely quickly for me, which gives me great peace of mind using it! Foreign transaction costs are much better than on most credit cards too, which was a nice surprise :) Reviewed on: 30th May 2017

fair

could be better although they have some good points Reviewed on: 30th May 2017

Goal-post Changing

I've had this card for about 2 years. It all started really well; I was earning decent 'free' money through the 1-2-3 cash back offer until they changed their terms. There's always been a fee of £3 per month but now they've capped it so the most you can earn is £9 per month (£6 net after charges) and that's only if you meet the three spending elements. It is what it is, I guess, but it's a shame as there are plenty of other credit cards that offer cash back without setting limits. Reviewed on: 30th May 2017

Great credit card

Brilliant card, easy to use, easy to understand and great rates Reviewed on: 30th May 2017

Paid for shopping!

For a small monthly fee I get a little cashback on my purchases each month. Cashback always exceeds the fee so works out nicely giving me a little extra to treat the kids. Reviewed on: 29th May 2017

Great cashback!

Receiving 3% cashback on our current account is fabulous and really helping us save when interest on savings accounts is so low. Have made over £2000 in cashback since opening the account Reviewed on: 24th May 2017

Cash back credit card

You can earn cash back on supermarket shopping and many department stores which can more than cover the annual charge of the card, especially if you are a big family. Reviewed on: 23rd May 2017

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