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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 Service

Customer Service excellent helpful and friendly. Good cashback on daily spending items. Even with the hike in fee still good. Reviewed on: 31st August 2016

Cashback

Great cashback on the things you always buy like groceries, petrol etc Reviewed on: 1st August 2016

123 account is the best current account

I recently changed my current account to the 123 current account. I am very pleased with the 3% interest on my balance and the cash back received for any direct debits. Reviewed on: 18th July 2016

123 Santander Credit Card

Great card for large ticket items. Purchased my USA holiday trip on it. This amounted to a large amount but allowed it to be split over 15 months Reviewed on: 30th June 2016

Paid for shopping!

Really easy to set up, offers cashback on everyday expenditure like petrol and food shops. Nice to know I'm saving a little as I'm shopping for nothing more than using my credit card. Reviewed on: 29th June 2016

Excellent service

Helpful and proactive in managing a suspected fraudulent transaction. Reviewed on: 23rd May 2016

Easy to use and a good app!

The credit card has been so simple to use, customer service is great and the app is so simple to use. Cashback is great too so all in all I couldn't improve it. Reviewed on: 17th May 2016

Simple easy

Went into branch to enquired about using my card abroad. I was told that there would be charges, but to call their helpline to get up to date charges and fees. Reviewed on: 28th March 2016

Simple to apply for

I went into the branch and I was pre approved for a 3 2 1 Credit card as I already have a 3 2 1 account it was simple and easy and I have been told it will be posted to me in a matter of days. Fantastic service, also gives me cash back on what I buy in the shops and I can have it for 6 months free of charge. Reviewed on: 28th March 2016

Was good now rubbish

It was a good idea for £2 you gained cash back on various debits however putting the fee up has made it marginal at best and could easily cost you money if it goes up again so will be leaving if it does, Reviewed on: 19th February 2016

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