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Santander: 123 Current Account (discontinued) reviews

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4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1252)

Very helpful

I've always had a positive experience with Santander. Every single member of staff in different branches have been excellent and very helpful and polite. I get regular telephone calls from the mortgage advisor to check (not in a pushy or annoying way) how my house hunt is going. I think the £5 monthly charge on the 123 account is pretty high though compared to other banks. I love the app for my mobile and they have improved it recently so now it's even more useful and easy to use! Reviewed on: 26th January 2017

Easy as 123

In my local branch of Santander I have met the most friendly and helpful people whilst at the same time being extremely efficient and professional in all aspects of my account. I would highly recommend each and every member of the staff for their knowledge of all products offered and their first class customer care Reviewed on: 26th January 2017

great product!

I have always banked with Santander and find their products and customer service to be first class! Reviewed on: 26th January 2017

Good value current aaount

Although the interest rate was recently cut it still outweighs the monthly charge. Reviewed on: 26th January 2017

changing for the worse

I have always up until recently felt a valued customer of Santander 123 current account. But recently after reducing the interest on direct debits and interest on money in your account plus an increase in the monthly account fee i am no longer `breaking even'! Also I have experienced poor customer service when a cashier paid a cheque into a wrong account off mine which had personal implications. I am now in the process of researching for an alternative. Reviewed on: 25th January 2017

Easy to use, interest rate dropped

Recently switched from Barclays. All my direct debits and standing orders were moved with no issues. Online access is quite easy too. Shame the interest rates dropped so much. Reviewed on: 24th January 2017

Online Banking

The easiest online Banking ever to use! I have been with this bank from when it was the Alliance & Leicester, as I used to work for their Head Office Marketing Dept in Hove, East Sussex. And the Branch staff are always friendly and helpful. Great bank would never change. Reviewed on: 18th January 2017

Deal breaker

The 123 was a deal breaker till they dropped the rates, however it is still overall better than most other Banks. Very easy to deal with in Bank and also online, happy with how things have went from switching to day to day running. Also very good at keeping you up to date about changes and quick to ask if you want a review of your finances Reviewed on: 18th January 2017

Perfect for Students and Saving!

I opened a student 123 current account with Santander and have been very impressed and at ease. When I first opened the account I struggled with starting up my online banking account as my letters were sent in the wrong order in the post but Santander were helpful and made sure my account was safely set up and even reimbursed me £60 for the time spent on the phone and the inconvenience! As well as having fantastic interest rates, I received a free 4 year railcard when I opened the account that gives me a discount on train fares. As a university student, this has by far been the best choice of bank account. Reviewed on: 18th January 2017

Increase monthly fee with little customer benfefit

I've been an Alliance & leicester & then Santander customer for many years. However recently I've experienced poor customer service and benefits for an increasing monthly fee with little benefit and even reduction in interest on accounts. Reviewed on: 17th January 2017

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