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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.92 (154 reviews)

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3.83

Based on 154 reviews, last reviewed 27th Feb 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

great card and cashback . great card and cashback . Have earnt hundreds f punds over the last 5 years so suggest getting one Reviewed on: 27th February 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.

Santander 123 Credit Card reviews (154)

Review of the Santander, 123 Credit Card:

great bank

great bank and always helpful with whatever queries you have Reviewed on: 27th April 2020

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

Not happy the rate is dropping soon

Good because of the cashback it pays. That said, it's about to be cut though so will drop rating to 'just ok' Reviewed on: 19th December 2016

Great

Good for the 0% for two years , not sure if I will continue after but has been good to use and i get the cash back to cover the cost of the card which is 3 pound a month Reviewed on: 18th December 2016

Poor customer service

I don't like their customer service at Santander. They get things mixed up too easily. Reviewed on: 16th December 2016

Good...for now

The 123 card is good... for now. It's 0% and contactless which I like. Reviewed on: 15th December 2016

Pros and cons

The 123 card is just OK. They offer cashback which is great, but they have introduced a monthly charge - bad! Reviewed on: 15th December 2016

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