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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 service...

Santander 123 Credit Card reviews (154)

Review of the Santander, 123 Credit Card:

Paid for shopping!

For a small monthly fee I get a little cashback on my purchases each month. Cashback always exceeds the fee so works out nicely giving me a little extra to treat the kids. Reviewed on: 29th May 2017

Very supportive!

I can't thank you enough for Santander support with my credit card. They provided support, option of payment very reliable. Thank you! Reviewed on: 11th March 2023

Excellent

Have held a Santander 123 credit card for 10years. No problems and get cash back on purchases. Reviewed on: 9th March 2023

Could do worse.

Contact is poor & difficult. .... Chatbot ! forget it. Reviewed on: 9th March 2023

Great

Reliable easy to use and helpful when needed Reviewed on: 3rd March 2023

In Branch Service Poor

Lack of available branches and opening hours. Lack of clear and transparent on how long balance transfers take to clear and allocation of payments Reviewed on: 22nd February 2023

Looking after there customers

Always looking after the customers. Been with me now many years Reviewed on: 21st February 2023

Not as good as it was

We were with Santander 123 Account and still have a credit card. We moved banks because the interest we received was often less than it cost to keep the account and we were offered better elsewhere. Nevertheless, we were with them for many years before we switched Reviewed on: 12th January 2023

Obnoxious

I contacted this company following a credit card application and subsequently made a complaint. Nobody got back to me and therefore I chased this. It turns out the complaint was never logged but the worst part of it was the customer service provided from Simon at the Liverpool office. He was the most unprofessional and obnoxious person I have ever spoken to in my life, and refused to take on part of my complaint. He constantly spoke over me and then terminated the call when... Reviewed on: 6th December 2022

Simply the best

I’ve have nothing but fantastic service from all their departments, from fraud to transfer money to the USA.Recently had fraud due to me stupidity paying £1 to be credited £1 back to watch strongman on Facebook live( I must of had brain fade)Then two £59 per month direct debit was set up and being a man I hardly ever check my statements.Their credit card fraud department got on the case and in four days at total of £600 was returned.Simply amazing when you consider it was my mis... Reviewed on: 10th November 2022

Fail to cancel direct debits

Santander didn't cancel a direct debit (with a months notice) which resulted in a significant payment coming out of my account that wasn't expected. They have acknowledged they got it wrong, but haven't apologised. The customer service has been genuinely awful! After several years of banking with them I will no longer be using them after this experience. Reviewed on: 28th September 2022

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