Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.92 (154 reviews)

View other Santander products

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

Read all reviews See your review

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 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

Always cancelling credit card purchases absolute mare

Never able to verify credit card purchases even with 2 stage verification. Then half an hour on phone to unblock card. Left hanging on phone waste of a bank Reviewed on: 30th May 2022

Great product

Has good cashback and zero fees abroad. Good for purchases here aswell Reviewed on: 18th February 2022

LET DOWN

NOT REALLY A GOOD RETURN ON CASH BACK Reviewed on: 16th February 2022

Very poor staffing levels at call centres making it just about impossible to contact them. Four times over a period of 7 days I have tried at different times of day. Have given up each time after twenty minutes on hold. Get more staff Santander!!

Poor call centre response time making it impossible to make contact Reviewed on: 15th February 2022

Local Branch Closed

My local branch has closed and I'm told my nearest one is now bus ride away. Being elderly with limited mobility this is a problem for me. But Santander don't give a toss! Time to move banks methinks. Reviewed on: 11th February 2022

Poor customer service

Try getting through to them by phone!!! I had to wait 45 minutes! No apology. Reviewed on: 8th February 2022

HPI Wrong car

Today I received a telephone call of the person purchasing my car ( Mazda Reg K19SYU now DU16PNX ) that he was no longer going to buy my car at £13150 due to it having outstanding finance registered against it¬! I paid for a HPI check and was informed that you have this credit agreement on my car. I telephoned several times today and at 14.46 asked for a complaint with a view to compensation being registered. The customer service person ( Harry ) Told me that he tried to register my complaint but was not permitted as a manager needs to speak to me first so he would get me a call back straight away. As this never happened I telephoned back at 15.55 and spoke to Shaun who informed me there was no way i was getting a call off a manager and that there was no notes on my account. I have sent you a copy of the voice conversation with Harry who I presume has lied. Please register this as a complaint and I am now seeking compensation for the loss of my sale and my day spent chasing you around. Reviewed on: 8th February 2022

Phone line doesn't get answered for over an hour...

WAITED FOR 1hr 35mins TO GET CALL PUT THROUGH. DESPITE AMENDING MY DIRECT DEBIT INSTRUCTIONS TO TAKE THE MINIMUM THIS WAS IGNORED AND TOOK £500+ INSTEAD. SO IF YOU WANT TO CHANGE THE DIRECT DEBIT AMOUNT ONLINE APPARENTLY IT TAKES TWO CYCLES/MONTHS FOR THIS TO BE IMPLEMENTED. SANTANDER REFUSED TO RETURN THE OVERPAYMENT OR REMEDY THE SITUATION AND THE COMPLAINTS DEPARTMENT TOTALLY UNHELPFUL. I HAD COVID AND NO SICK PAY AND PHONING THEM IS AN LONG AND ARDUOUS TASK FOR WHICH THEY ARE UNREPENTANT. OBNOXIOUS PEOPLE = OBNOXIOUS COMPANY. Reviewed on: 18th January 2022

really good value

money back on bills so always a winner Reviewed on: 12th January 2022

Good credit card

Used to be a banking and saving customer too until cut upon cut made. Like the online messaging service over competitors, not so keen on remembering passkey number rather than password like others. Reviewed on: 11th March 2021

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Platinum Cashback Credit Card
from American Express 4.44 from 66 reviews
Classic Credit Card
from Capital One 3.94 from 274 reviews
Credit Card
from Shop Direct 4.38 from 4 reviews

There's still more to see!

Santander has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub