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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.94 (159 reviews)

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3.91

Based on 159 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

Statement and local branch Statement is very clear and there is a local branch if I need to speak face to face with someone. Reviewed on: 12th June 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 (159)

Review of the Santander, 123 Credit Card:

The credit card that can not cope with couples

My husband and I have a credit card each on one credit card account. We have a mobile phone each and an email each, which is fairly normal for modern people. I travel alot for work and sometimes want to use my credit card when I am away from home and the husband. He might want to use his when we arent together as well !! But we can only have one registered phone for OTP. Its crazy that I cant have my phone linked to my card number and my husband have his linked to his card number. Come on Santander get into the 21st century !! Reviewed on: 18th January 2024

Poor app and website

Poor experience. Would not recommend. Locked out of account for no reason. Reviewed on: 30th April 2024

Reliable responsive accurate informative and persona...

Reliable responsive accurate informative and personable. Reviewed on: 24th February 2024

Good to average

smooth contact with people involved with Santander when queries occur Reviewed on: 15th February 2024

Excellent service

Always had excellent service and cash back scheme is good Reviewed on: 1st February 2024

Credit card

Very good product and communication Reviewed on: 7th September 2023

Santander customer service

Recently I had an issue with a Limousine company, had hired a limo for my daughters wedding, this did not turn up on the day which caused so much upset, we eventually found out the limo company had gone into liquidation, so I rang Santander and Top marks to the customer service staff and the loss prevention officer carefully and kindly dealt with my issues BRILLIANTLY Reviewed on: 1st August 2023

Taking the worry away

Not only is this account and card simple to use, earning money to use it is a bonus for me. Reviewed on: 1st June 2023

Great Card

Love the cashback and always fast responses to queries in the app Reviewed on: 31st May 2023

Dismayed, customer

My from Swindon just spent three hours trying to find out why Santander took more money than I have spent over the last year Reviewed on: 17th May 2023

Good for cashback

Very happy with this card - don't think you can get it any more so intend to keep it Reviewed on: 4th April 2023

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