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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

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

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

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