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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.94 (159 reviews)

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3.91

Based on 159 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

Statement and local branch Statement is very clear and there is a local branch if I need to speak face to face with someone. Reviewed on: 12th June 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 (159)

Review of the Santander, 123 Credit Card:

good but could be better with cashback

They could offer more cashback on spending so it's beneficial Reviewed on: 22nd April 2025

Pays for itself

The reward programme is good and more than covers the fee. Reviewed on: 4th April 2018

My review

Love this bank Reliable and never let you down Reviewed on: 30th January 2018

Not great

Bad customer service. I don’t recommend. Reviewed on: 7th January 2018

great Apr

Very good Apr for a long time excellent customer service Reviewed on: 5th January 2018

Easy Transactions

I have the 123 credit card and just so easy to use aswell as rewarding from the benefits it has. So easy to check my balance online and pay extra off on it each month if I want. Reviewed on: 4th January 2018

Great idea

This is the best card Ive had and the cash back is a bonus Reviewed on: 31st December 2017

Santander

Always good , always courteous and friendly Reviewed on: 26th November 2017

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

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