Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.92 (151 reviews)

View other Santander products

3.86

Based on 151 reviews, last reviewed 24th Aug 2024

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

46%

26%

13%

10%

Latest highest rating:

5

I have been with them from the beginning and current... I have been with them from the beginning and current account as well as credit card with them. They can be easily contacted as I live nearb. Reviewed on: 24th August 2024

Latest lowest rating:

1

Poor app and website Poor experience. Would not recommend. Locked out of account for no reason. Reviewed on: 30th April 2024

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 (151)

used to be better

I liked the cashback options on this account but they have recently put up the monthly charge so it isn't as good Reviewed on: 15th November 2017

excellent rewards

getting cashback in the account is great. Reviewed on: 12th November 2017

Reassuring Experience

Acceptable rates, clear communication, no unexpected charges. There's not much more I need from a credit card provider. Reviewed on: 9th November 2017

Good card abroad

Good value abroad. Check your automatic pay in full arrangement is still in force - I checked at my branch before I went on holiday but did not realise (nor was I told) that the arrangement runs out after 2 years - awkward! But they helped rectify. Reviewed on: 7th November 2017

Good bank but need rid of the monthly fee

I've always thought santander was a great bank. Been with them for years. Customer service is great. I have been considering changing due to the monthly account fee on my current account Reviewed on: 7th November 2017

good card things could be improved

Oddly somehow Santander have given a a debit card that's not contactless and a credit card that is contactless. A bit odd, I havnt bothered to ask for a new one though. It was a great card to use on my daily commute as an oyster to make up the cost of it each month. The first two years interest fee so was a great way to also put my car insurance on the card to bring monthly costs down! I found that the cash back from the card usually got me a few quid The only thing is there has been an ongoing issue with my online banking that stil hasn't sorted itself out meaning i have not been able to set up a direct debit, I could of called up but it's hassle ! The error has still not been fixed. Reviewed on: 6th November 2017

Great card

Linked to our 123 current account, the app is great and we enjoy the cash back on our most frequent purchases. We always put through travel and petrol on this card for the best cash back rates around. Reviewed on: 5th November 2017

Cashback still a winner for us

Even with its monthly fee, we get enough from monthly cashback to cover the fee and make more on top of it. The Santander app is so easy to use so we're more than happy with this credit card as our everyday card. Reviewed on: 10th September 2017

Mr

Very reliable they are there to help you with any needs and money back k on all purchases. Reviewed on: 24th August 2017

Limited cashback

The interest rate on this card far outweigh's the cashback. Stick to a lower interest rate card or 0% on purchases card. Reviewed on: 2nd July 2017

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

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