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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 service...

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Santander 123 Credit Card reviews (156)

Good cashback extras and good service

I was looking for a new credit card that had a good balance transfer rate as well as purchase rate. With 23 months interest free for both this seemed like a good deal. There is a £24 a year charge if you do not have a current account with them. With the added extras of cashback on spending on shopping, petrol and transport. I have found it well worth it with the extras. Reviewed on: 26th August 2015

Cash back on regular purchases

I was offered this card when I opened a 123 current account, and it has been great. It pays cash back on supermarket purchases, petrol/train travel and department store purchases. I pay for all of these things with this to get the cash back. If I buy anything else not in these categories I pay by debit card. I have a direct debit to pay the card off in full every month. The cash back is paid onto the card. I have saved loads as I drive a lot for work and used to commute by train... Reviewed on: 25th August 2015

Good customer service

I had a query about direct debit, got through straight away and they sorted it out quickly. Very pleased! Reviewed on: 29th April 2015

Amazing card.

Use this card only on cash back items, by keeping up with monthly payments this card pays for itself and gives me more in return. By using it in supermarkets and when buying petrol, it has given me more in return as I keep up with payments on a monthly basis and therefore do not pay interest, and with what I use this card for are products I would be buying anyway. Really handy card to have. Reviewed on: 29th April 2015

Simply outstanding, in other words one of the best banks ever!

Santander is simply one of the best banks in the whole of the United Kingdom. It is amazing no words can really describe it. Anytime I need help Santander will be at the rescue and always have a solution to my problems! I just want take this opportunity to thank Santander for all their help! Reviewed on: 26th December 2014

My favourite credit card by far

Good service and great benefits...cashback of 1-3%, is pretty top and service has been good so far (I've been with them for 8 months) Reviewed on: 23rd October 2014

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