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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.

Santander 123 Credit Card reviews (156)

Review of the Santander, 123 Credit Card:

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

Rubbish

Never up the limit paid of every month had card for 10 years no limit increase Reviewed on: 16th March 2023

Great high street bank

Good for international payments and low apr Reviewed on: 16th March 2023

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 I had the audacity to ask him to listen to me. You need to get a grip Santander your customer services are shocking and you should not be employing people like this! Like the person said on the escalated call, he made the company look bad!! Reviewed on: 6th December 2022

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