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Santander: 123 current account (discontinued) reviews

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4.12

Based on 1,276 reviews, last reviewed 18th Jun 2026

17% increase 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

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 2026

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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 (1276)

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

Money for nothing!

I have the above account - even though the interest rate has dropped to 1.5% I still get a good deal as I also get cashback on essentials including Council Tax, fuel, water & all phones - mobile and landline. I get a monthly statement through the post too so I can check all is OK. Would certainly recommend. Reviewed on: 24th December 2016

The Best

Santander is an excellent company/banking all facilities meet my requirements overall fantastic. Reviewed on: 24th December 2016

a bit disappointed

Santander recently changed their interest rates on their 1-2-3 account meaning its not just as good an account as before if using it for saving. We have 3 of these accounts as we felt 3% was a great rate with the way things in the banking world were but now they have dropped it to only 1.5% while also charging more for having this account too. Seriously considering changing where our money is. Reviewed on: 24th December 2016

Amazing!

Wanted a bank to switch to with great benefits and that also made the transaction easy and simple and Santander definitely did just that! I wanted to setup and move over my direct debits simply and quickly and with this account I gain benefits for paying bills and shopping. Reviewed on: 24th December 2016

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