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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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

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

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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Tina
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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)

Brilliant Customer Service

5
When my bank account was hacked and emptied, it was dealt with quickly and efficiently and all my money was returned within 24 hours. Reviewed on: 15th November 2016
Becky John's avatar
Becky John

Great way to get a little extra money into your bank account each month

5
Money in your current account and you get interest, paying by direct debit for your bills and you get a percentage back, so each month you have a little money also going into your back account, rather than always going out, can't be bad. Reviewed on: 14th November 2016
Ian 's avatar
Ian

simple, easy, friendly

4
I always speak to really friendly people Reviewed on: 14th November 2016
HANNAH TAYLOR's avatar
HANNAH TAYLOR

Disappointing!

3
So disappointed with the changes to the 123 current account! After Santander's recommendation this Summer, I changed my Santander Current Account and my ISA for the 123 Current Account so I could get the 3% interest on my balance. Santander is now reducing the 3% interest to 1.50%. If something works for customers why change it! Reviewed on: 30th October 2016
Iliada's avatar
Iliada

They used the 3% to gain more business, even when they knew they were dropping the rate

1
Santander used their 3% to gain a lot of business, they knew they would slash the rate in half, and they certainly duped us into banking with them based on the 3%. This was close to them announcing they were slashing their rate to 1.5%, yet they told us there were no plans to change the rate. If we knew how dishonest they are, we would have gone elsewhere. SHARKS! Reviewed on: 25th October 2016
Carl's avatar
Carl

Easy to use account

4
Really good bank including their customer service if my card is lost or stolen a new one is sent within three working days would defiantly recommend this to my friends Reviewed on: 27th September 2016
Reece's avatar
Reece

AVOID BLUEWATER BRANCH!

4
I have visited this branch 4 times as it is in my commute between London and Canterbury. Every time it has been a long and tiring experience. No matter what time of day, and what day, Tuesday afternoon or Thursday morning, it's always short staffed and I wait a long time (minimum 15 mins) in the queue to be served. Once I had to deal with a lady who was extremely rude about me giving her £10 worthy of £1 in coin bags, even though I had 5 bags worth or £20 one pound coins and was depositing them along with 1k in notes! She said she couldn't accept the £10 and that I should have checked what's the appropriate way of depositing money before going to the branch! Even though I have lived in Canterbury for over 8 years and the Santander branch there has no problem with however many number of coins I give them! I let that go, and about 10 days so I went there again, after having queued for 20 mins and while everyone was getting frustrated, I had to deal with an oriental lady (she might have been Chinese) who took a very long time to deposit my money and seemed she couldn't really understand English well!!! I asked if I could have 12 months of bank statements printed and she told me she had to order them from the headquarters, which I agreed to. She said this was all done and should be with me in 10 working days! Yesterday, having had no statements posted to me, I rang Santander to follow up on this when the guy told me there must have been a mistake and that nothing was requested to be mailed to me. This is unacceptable. I need those documents urgently and I really can't afford to wait another 10 days. Avoid this branch of possible. I have dealt with the charing cross branch and the Canterbury branch and they are always extremely helpful and polite. Reviewed on: 21st September 2016
Elika Ashoori's avatar
Elika Ashoori

problem free banking

5
Never had any problems, and when I've needed to call, the call centrce has been quick and efficient Reviewed on: 29th August 2016
natasha douglas's avatar
natasha douglas

Amazing bank

5
Santander have been amazing since I joined always great service and they really care about me as a customer Reviewed on: 29th August 2016
kirsty allen's avatar
kirsty allen

Opening an Account

2
Tried to open up a Regular eSavings Account in a local branch. Wait time to see a bank representative was some weeks away. Opted to try and do it via telephone. Waited an hour to speak to someone on the phone. Gave up in the end. Very poor service. Now doing business with another institution. Reviewed on: 26th July 2016
Graham Moorhouse's avatar
Graham Moorhouse

Review Santander: 123 Current Account (discontinued) now

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