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Santander: 123 credit card (discontinued) reviews

Name: 123 credit card (discontinued)
Rating: 3.94 (160 reviews)

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3.94

Based on 160 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

48%

24%

13%

10%

Latest highest rating:

5

Club, Personal, ISA and credit card products, no adv... Club, Personal, ISA and credit card products, no adverse reports, always helpful friendly and acurate.A bit disappointed that rumours suggest that our... Read more Reviewed on: 22nd January 2026

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 (discontinued) reviews (160)

Review of the Santander, 123 credit card (discontinued):

Great high street bank

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

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

Best in class

Since moving to Santander I have had an excellent experience. Staff in the bank are friendly and helpful and CS is excellent and very helpful. I am happy with the addition of products that they offer to help accumulate income. As I use my card for overseas purchases I find it extremely useful on exchange rates without the additional charges. Reviewed on: 17th February 2021

Not a great deal

I signed up to the 123 when it first came out and it was a better deal, but as time went on they reduced cashback and it became a poor deal Reviewed on: 12th July 2020

Decent Product, has issues

The credit card has some good points but the fee makes it difficult to justify Reviewed on: 28th April 2020

great bank

great bank and always helpful with whatever queries you have Reviewed on: 27th April 2020

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