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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

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

Encourages debt

I was not really sure what it was but after being told that I could gain by using this card I agreed.However my monthly payments were dropping and I used the card to pay for petrol and the like.Now I am in debt! Reviewed on: 15th January 2016

Good choice for cashback

A decent credit card for cashback on purchases. Supermarket shopping and petrol spend outweighs the monthly cost. Note that fees are going up soon. Reviewed on: 24th December 2015

great rewards

I use this card for day to day spending and pay off in full each month. The rewards build up and I see cashback every month. When I lost my card the service was excellent, reassuring and professional. Very happy with. Reviewed on: 24th December 2015

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