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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.93 (156 reviews)

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3.86

Based on 156 reviews, last reviewed 2nd Apr 2025

400% 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

Good rates of interest, but competition offers better Good rates of interest, but competition offers better Reviewed on: 2nd 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

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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 (156)

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

123 account

This account is great, especially their students one. Great interest Reviewed on: 11th December 2016

OK

I use the Santander 123 card with my account which you get cashback on for your spends. its good but the interest is quite high, so its ok. Reviewed on: 7th December 2016

Good cashback

The Santander 123 credit card is good because it gives cashback on purchases Reviewed on: 30th November 2016

Got it for the 123 account

The Santander 123 is OK - don't actually use it, just have it so I can get a better 123 ISA rate :) Reviewed on: 28th November 2016

Good but better companies out there

Company has bad policies and talk to you rudely in the bank, online team are helpful though Reviewed on: 26th November 2016

fantastic

never had any problems with Santander account , excellent online serivce Reviewed on: 22nd November 2016

Not as good as it was!

Rates / awards have dropped so no longer worth the bother, just traded it in for a non fee paying card with them. Reviewed on: 14th November 2016

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