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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.93 (158 reviews)

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3.87

Based on 158 reviews, last reviewed 22nd Apr 2025

500% 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

Had this account for 10 years, had really no problems. Had this account for 10 years, had really no problems. Reviewed on: 13th 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 (158)

Review of the Santander, 123 Credit Card:

Excellent value

I've received excellent value on this account, with cashback on bills and payments Reviewed on: 20th January 2017

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

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 mistake.The app is also very good. 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

Great

Excellent service Great service Extremely efficient Reviewed on: 8th July 2022

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

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