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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)

Great account

I have had a 12e account for several years and have found it fantastic, the cashback is great. Reviewed on: 14th November 2016

Mediocre

Good service but system can be complicated Reviewed on: 27th September 2016

Santander Credit Card

Use it all the time. Quick response if there are issues. Highly recommended. Reviewed on: 12th September 2016

It's ok

I am considering leaving Santander because of the drop in interest rates. The credit card cost per year does not match the cash back amount offered. The service in branch is good. The card is accepted everywhere so that's a bonus. I could get more rewards from a credit card elsewhere. Reviewed on: 7th September 2016

Good if you make sufficient use of it

The Santander 123 Credit Card is handy if you shop regularly with it as you get cash back. As I hardly use it, it is not really worth the monthly fee for me, so it is important to consider whether the benefits outweigh the costs before you decide to take it out. The policy is clear though when you do decide to go for it. Reviewed on: 6th September 2016

Fantastic

Great no trouble at all. Take payments on time everytime Reviewed on: 4th September 2016

Monthly fee increased

The fee has increased on this credit card. At the moment the cashback I receive more than covers this but as there have been big changes on the 123 current account I am unsure if there will be more changes to come. Reviewed on: 1st September 2016

Great card with cash back on purchases

Over the past year I have been even more impressed with my Santander Cashback Credit Card. As well as the 1-3% cashback on purchases, they also have a feature called My Offers where you can choose retailers to get even more cashback from. In the last month I made about £10 back on my purchases! I have had no issues with the account at all, in fact the only negative I would say is that they won't increase my credit limit to the level that some other banks will. Communication for the account has been absolutely fine and I have received responses whenever I have sent queries by online messaging. Reviewed on: 1st September 2016

Excellent service and hassle free

My Santander credit card gives cashback on all of my purchases. I had an issue where my card was lost and it was rectified immediately after one 4 minute phone call. The service was friendly and professional and superior to that of my previous provider. I have never had any issues with the card being accepted and would recommend the card to friends and family. Reviewed on: 1st September 2016

Good customer service

The Santander credit card has a good level of interest rate and does not charge any interest if you pay the balance off in full. As a Mastercard it is accepted in most shops and locations. i have only had to contact their customer service department once and got through quickly and they were very helpful. Reviewed on: 31st August 2016

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