Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.93 (158 reviews)

View other Santander products

3.89

Based on 158 reviews, last reviewed 22nd Apr 2025

50% 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

Had this account for 10 years, had really no problems. Had this account for 10 years, had really no problems. Reviewed on: 13th April 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

Read all reviews Write a review

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.

Review Santander: 123 Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Credit Card reviews (158)

No Problems

Have had the 123 Credit card for nearly 2 years now and haven't had any issues at all the communicate well when making changes and allow for a number for useful alerts to be put in place when nearing credit limit or for larger transactions Reviewed on: 3rd April 2017

friendly and safe

I am impressed that they do a check if there is unusual activity on the card. Always friendly and helpful Reviewed on: 12th February 2017

Cashback and extended interest free period!

Have been using this card for around 18 months, have earned a lot of cash back on my every day spending, there are changing deals on the app too so opt in for additional cash back. 48 month interest free has made this the best card to date for me. Reviewed on: 11th February 2017

Makes me free money

Very good and easy to use app on the phone and good customer service! Reviewed on: 28th January 2017

Excellent value

I've received excellent value on this account, with cashback on bills and payments Reviewed on: 20th January 2017

Cheeky

I used to love this credit card until they added a monthly charge. It has good cashback rates, but by the time you have paid the monthly charge, even the cashback doesn't make this back. As soon as my interest free period is over I will be leaving this credit card. Reviewed on: 4th January 2017

Current account

Very bad customer service, not very professional. Reviewed on: 27th December 2016

No problems, but less attractive than it was

I took out the 123 credit card on a long interest-free offer which is still running. Overall I have been very happy with it, but the increased charges and reduced cashback offer may make me look around once the interest-free term expires in a few months. Reviewed on: 24th December 2016

it's OK

It's OK... was much better when I was in the interest free period!! Reviewed on: 19th December 2016

Was good but getting worse

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

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Select Credit Card
from Nationwide 4.87 from 9 reviews
Everyday Credit Card
from Santander 3.88 from 19 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.09 from 13 reviews

There's still more to see!

Santander has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub