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Santander: 123 Current Account (discontinued) reviews

Name: Santander 123 Current Account (discontinued)
Brand: Santander
Rating: 2.54 (196 reviews)

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4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

92% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 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 (1250)

A GREAT SERVICE FROM MY LOCAL BRANCH

WE JOINED THE SANTANDER 123 ACCOUNT TWO YEARS AGO AND HAVE BEEN VERY HAPPY WITH THE ACCOUNT. THE CASHBACK WE EARN IS GREAT BUT IT IS THE PERSONAL SERVICE WE NOW GET FROM THE STAFF IN OUR LOCAL BRANCH. Reviewed on: 10th January 2017

Dealing with my stupidity

Being as forgetful as I am, it has been suprising that santander still refer to me as a good customer. The number of times I have forgotten one of my passwords and have had to call them up for a reset is beyond belief. I've lost count of the number times it has happened but they are always understanding and very helpful. Just a shame they have no work around for my forgetful nature. Reviewed on: 4th January 2017

Still A Good Choice

Santander is still a good choice for a current account despite recent reductions in returns, it's still better than its rivals. Customer service has improved greatly in recent months. Reviewed on: 4th January 2017

Easy, convenient account

Easy to use, customer friendly company and happy to recommend Reviewed on: 1st January 2017

Early morning transactions may be embarrassing!

I have always found the Santander 123 current account online banking to be very user friendly and efficient. The only thing I would criticize is that when I want to pay a new person or bill, Santander sends a pin number to my mobile phone to verify. This is great for security but if, like me, you have very bad mobile phone reception it can be a bit of pain, not to mention embarrassing, walking up and down the street in a dressing gown (if it's an early morning transaction) trying to get a signal. Reviewed on: 1st January 2017

Best on offer if you get cash back and interest.

If you have direct debits for your Utility's and able to afford over £10k in account, you gain cash back plus interest amounting to more than their charges and higher than any other bank/ building society/ISA. Reviewed on: 28th December 2016

santander 123 account

I HAVE BEEN WITH SANTANDER 123 CURRENT ACCOUNT FOR ABOUT 5 YEARS NOW AND HAVE RECENTLY GROWN DISILLUSIONED WITH THEM. THEY HAVE RECENTLY RAISED THE MONTHLY ACCOUNT FEE FROM £2 TO £5 AND HAVE HALVED THE INTEREST RATE ON THE SAVINGS ACCOUNT ATTACHED TO IT.I RECENTLY TRIED TO RE-CLAIM SOME BANK FEE'S FROM THEM AS INSTRUCTED BY THE MARTIN LEWIS WEBSITE,I ENDED UP BEING GIVEN £20 BASICALLY FOR NOT TAKING THINGS ANY FURTHER AS THEY SAID THEY WEREN'T BREAKING ANY RULES. I AM ABOUT TO LEAVE FOR ANOTHER BANK WHICH HAS GOOD CUSTOMER SERVICES,NO FEE ACCOUNT AND LESS CHARGES FOR IF YOU GO OVERDRAWN. Reviewed on: 27th December 2016

Reservations,

The reason leaving my previous bank was over excessive bank charges, Santander are fast going in the same direction, can not complain as after retiring getting finances back into routine is a challenge. Reviewed on: 27th December 2016

Good overall experience

Santander's online banking & their mobile app are brilliant. You can do most things online and for the few things you need to ring up about, the staff are really knowledgeable. Reviewed on: 27th December 2016

Good current account

Good interest rates on current account. Reviewed on: 27th December 2016

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