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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 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 reviews (159)

Review of the Santander, 123 Credit Card:

Great idea

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

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

good but could be better with cashback

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

Had this account for 10 years, had really no problems.

Had this account for 10 years, had really no problems. Reviewed on: 13th April 2025

Good rates of interest, but competition offers better

Good rates of interest, but competition offers better Reviewed on: 2nd April 2025

Very efficient safe service and still on the high st...

Very efficient safe service and still on the high street, lots of banks aren’t Reviewed on: 2nd April 2025

great card and cashback .

great card and cashback . Have earnt hundreds f punds over the last 5 years so suggest getting one Reviewed on: 27th February 2025

Excellent service and great value.

Excellent service and great value. Reviewed on: 26th February 2025

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 contact with this bank. Reviewed on: 28th January 2025

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

Good interest

I use my Santader credit card to build my credit score so I can get a mortgage for my first house. Reviewed on: 27th June 2024

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