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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% increase 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)

Earn rewards for household bills

Got cash back from 123 for household bills. Reviewed on: 20th June 2016

Best interest rate if you have 10k to invest

3% interest up to 20K, and money back from paying by direct debit for utilities, make this the best paying current account if you have more than 10k to invest Reviewed on: 20th June 2016

Great account

They were very smooth in the change over of bank accounts. Now they offer great cashback on my savings. Reviewed on: 20th June 2016

123

In recent years Santander have scored badly on customer service but I can hardly fault them on my 123 account. Whether by phone, on line or in branch I have always found them to be extremely helpful. I get cash-back on paying bills and a good rate of interest is a real bonus. Just wish it could be on more than £20000! Reviewed on: 2nd June 2016

Shiny new bank account

Gone are the days when the thought of changing a bank account would fill you with dread. Having just completed the change to Santander I can assure that this was painless and quick - all debits going out and everything coming in as it should. Great service all round Reviewed on: 1st June 2016

123 Current Student Account

Have had no problems with the service, I have a student account and love the benefits that came with it. Reviewed on: 25th May 2016

Shame it went up in price

We changed to the 123 in 2013 and havn't really benefited from it Reviewed on: 18th May 2016

Easy as 1,2,3...

The Santander 1,2,3 account has been amazing for the 18 months I have had it. Pays more interest than most savings accounts and allows up to £20k to earn the 3% interest. Would definitely (and already have!) recommended to people! Reviewed on: 30th April 2016

Current account with cashback that's great if you have savings

I've had a Santander 123 current account for a few years now. It gives 3% interest on your balances up to £20,000 and you have instant access. You also get cashback on direct debits for certain bills like utilities and phones. It's great for me because it gives instant access at a better rate than savings accounts. It's the best value cashback current account for people with a few thousand in savings. This deal will be even better now that lower levels of savings interest are not subject to tax. My only complaint would be that the monthly fee went up a few months ago, but it's still worth it for me, and I think it's more that the deal before was just so good. As for service, my affairs are pretty simple and I do most of my banking online. Never had a problem with them. Reviewed on: 26th April 2016

Excellent Product

Set up 123 account very easily and it now pays me over £100/year interest more than I was getting before. The best thing is that you don't have to switch all your direct debits, just two of them. Reviewed on: 23rd April 2016

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