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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)

AVOID BLUEWATER BRANCH!

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

problem free banking

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

Amazing bank

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

Opening an Account

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

NEVER HAD SO MUCH TROUBLE WITH A BANK

INTERNET BANKING SYSTEM DELETED MY DETAILS AND LEFT ME WITH NO INTERNET BANKING FOR 6 DAYS, LEFT BANK NOW AND WONT USE SANTANDER FINANCE PRODUCTS FOR OUR CAR SALES BUSINESS AS THERE SERVICE IS SHOCKING. Reviewed on: 12th July 2016

still great value

There's been a lot of bad press about the santander 123 account having increased account fees. Despite this, if you utilise the 3% interest on up to £20k balances as well as the cashback on offer for bills, you're still likely to be quids in from using this account, easily outweighing the fee. It's still a top choice in my book. Reviewed on: 29th June 2016

Lovely bank!! Great customer service!

Never had any trouble with this account or the bank! Always there to help, literally can not think of anything to fault! On the occasions I have needed to call there customer service team, which is very rarely, they're always lovely and helpful. Would recommend! The internet banking service is miles above the rest as well, I have worked in the customer care team in another bank, which I won't mention, so I know how miles above the rest santander are! Reviewed on: 28th June 2016

No passion for my custom and reluctant to deal with the issue

So I have been asked to review Santander after the experience I have had and to help you guys out so I will give you as much information I can without trying to boar you in the process. SO… It started about 2 weeks ago when myself and my partner decided to get a joint account, we looked at our current situation and liked the look of the 123 account with a £1,500 overdraft with Santander. Now we purchased our house 4 years ago and have a mortgage with them so thought it be a good idea to keep everything together. We went to the Stratford Upon Avon site and applied. REFERED – Now I get paid by 3rd party transfer from my work and sometimes this does not register as an income on certain service computers so we had no issue in waiting for an answer as I have had to wait when it came to buying my house and my car. HOWEVER they came back to me and said it was declined. EXPLINATION – There was none, now I understand data protection so I asked for a letter that still to the day has not made it. I printed both mine and my partners Experian Credit scores both of which were 999 out of 999 (true, I could post a picture if not believed) for them to look at and even the member of staff in the bank was lost for words as to why if we had our mortgage with them AND had great credit scores why this has happened. SO WHAT NOW – Well the customer service team eventually told me we did not pass the pre-checks but my credit file was still searched regardless of them doing their own pre-checks… this means that even if you fail the checks before they look at your credit file, they will still look at your credit file and make a mark on your name that NEGATIVLY effects your chances for future lending EVEN if you have great credit. They also told me they DO NOT have to divulge the processes they take to come to their decision. SUMMERY – So if you have great credit, have a mortgage and pay regularly to these big bankers you still may not get anywhere with Santander. They still 2 weeks on have not got back to me with an answer as to why I was rejected an account. MY ADIVCE – GO SOMEWHERE ELSE. We walked into a Lloyds in Stratford Upon Avon and what a totally different experience. We were armed to the teeth with passports, credit files, bank statements and pay slips to show how well we control our money etc. the guy took us to his office and went through the account we wanted didn’t try and sell us something we didn’t want and processed everything via his computer. The checks went through fine and the account was open within ten mins. No proof needed as we were electronically ID’d (whatever that means) and we were on our way. WE ARE DUE TO MOVE OUR MORTGAGE OVER IN 6 MONTHS ASWELL Reviewed on: 27th June 2016

Pleased!

Really happy with this account. We get cashback every month from spending at certain retailers and the app on our phones is so easy to use and informative! Reviewed on: 27th June 2016

Great interest

Great interest levels and allow interest levels on a much higher amount of cash than other banks. Very simple to switch as well. Reviewed on: 26th June 2016

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