Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.93 (156 reviews)

View other Santander products

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

Read all reviews Write a 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.

Review Santander: 123 Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Credit Card reviews (156)

Handy

My card is really handy. There are probably better cards out there now but its served next well Reviewed on: 22nd November 2019

Santander blocked account with no reason given

Santander blocked my business account for a week now, wont give valid reason. Have provided them with copies of business invoices, IDS etc. Am small one person business, cant survive without my business account. Say no timeframe to unblock! They just say underview and cant say when I can access my funds again. Am totally innocent yet being treated like a criminal. Reviewed on: 8th November 2019

Reasonable money

Good overall money rates on a variety of survices Reviewed on: 6th November 2019

Awful

Well been on phone for about 5 hours. They have this automated bitch speaking to me she’s annoying and squeaky to fuck. Like I acc care I’m waiting like I don’t know too? Anyway banks decent just shit at calls been listening to there shit music too like why do I wanna listen to Nokia ring tones? Bang some tunes on mate. Freaks Reviewed on: 27th September 2019

Great Service

The process with Santander was quick and easy. Stress-free! Reviewed on: 5th August 2019

Santander 123 Credit Card

Been using this credit card for years, for a small charge you get cash back and free international use! Perfect for me. Reviewed on: 12th May 2019

Great 1st Credit Card

It was my first credit card to help boost my score & it's been great! I get cash back on purchases like petrol & Santander have been great! Reviewed on: 1st May 2019

Great

The whole process of applying is veys simple and straight forward. It is also very easy to keep track of your money with the app. Reviewed on: 22nd April 2019

All as expected, a competitive offering

Good product, useful cashback. Happy customer. Customer service teams are helpful and pleasant to deal with. Reviewed on: 16th April 2019

Good account

Good account with lots of benefits, a shame that some of these have been cut and the price of the account has gone up. Big shame! Reviewed on: 15th April 2019

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

Credit builder card
from thimbl. 4.89 from 18 reviews
Credit Card
from M&S Bank - Marks and Spencer 2.60 from 178 reviews
American Express Credit Card
from American Express 3.53 from 91 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