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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

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

Bank accounts

All availalable options are made easy for you to undetstand and mske your choice from Reviewed on: 27th June 2017

Good credit card

Had no issues with them. Customer service very helpful. Great product Reviewed on: 10th June 2017

123 Credit Card

we have used this for some time now for when we need to purchase something large when we don't have the spare cash at hand to pay out in one large sum. Reviewed on: 30th May 2017

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