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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)

Always impressed

I have several accounts, isas, business accounts with Santander and always get great service Reviewed on: 18th February 2016

No interest last month

Bit annoyed as I didn't get any interest last month as 2 of my direct debits cancelled themslves, leaving me with only one on the account, so lost out. Reviewed on: 18th February 2016

great products and service

I've been banking with santander for a number of years, the products and service they provide are fantastic compared to other banks I've had dealings with and any issues they resolve them in a timely manner. Reviewed on: 18th February 2016

Good bank account shame they hiked the charges.

Great account and customer services, just a shame they hiked the charges so quickly, i had only swapped over to them for 2 months before they started talking about raising the account rates. Wish i would have known before really. Reviewed on: 18th February 2016

Generally an okay account.

The 123 Account has been a good experience however the £2 per month fee has increased by £3 to £5 per month. This is an increase of 150% which seems a little excessive. Only time will tell if it is time to move on to another bank! Reviewed on: 18th February 2016

The friendly bank

I love my bank they are always there to help, friendly staff. And they advise you on get the best from your money. Reviewed on: 18th February 2016

Excellent customer service and good interest rate

I have had an account here for many years but was advised to change to their 123 account. I was disappointed to hear of the recent account fee rise but it still pays for us to remain with the account. I have always found the staff to be very helpful either in branch or via other methods of contact. Reviewed on: 18th February 2016

I cannot recommend enough !

I had been with a rival bank for my entire adult life - I only knew how one bank worked ! I changed to Santander about 8 months ago and I am so impressed ! The baking is so user friendly - they have so many security features that I find useful - they tell you when you last logged in and what you looked at so you will be able to see instantly if someone may have accessed your account - when you use the cashpoint you can have a receipt emailed to you - the customer service is excellent - add to this that you receive interest and cashback on your bills - it cannot be beaten ! Reviewed on: 18th February 2016

Great online banking

Fab product, easy to manage and pays good interest and cashback. Reviewed on: 17th February 2016

ABC easy as 123 - current account!

I love my current account the only thing I would change is how when your 16 you can get an overdraft. I think that at 16 years old you shouldn't be-able to spend money that you don't actually have in your account. I am 19 now but I remember when this happened to me it was only £2.62 but I didn't realise until my statement came through. Reviewed on: 16th February 2016

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