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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)

GOOD

Have had this account for a while which is used as a savings account rather than a current one because of the high interest it pays. Was better before they increased the monthly fee to £5 but even so is better than all others Reviewed on: 28th March 2016

very poor customer service

tried ring customer service was on hold for over 1 hour very poor service Reviewed on: 7th March 2016

great customer service

always have great customer service, face to face or over the phone Reviewed on: 19th February 2016

Current account as it should be

great incentives to join and reward for saving Reviewed on: 19th February 2016

123 account

This account is perfect for everyday bills i get money back for every direct debit and santander have excellent online banking facilities where i can manage my account online Reviewed on: 19th February 2016

Santander has secured my money and my trust

Santander's security is second to none. With tendencies such as accidentally calling America (and other places) from a phone booth, to losing my credit card for a week before noticing, I was always going to have trouble keeping track of my finances. Thankfully, Santander are ever vigilant where I am neglectful. Online payments always require a secure password before they go through, ensuring the security of my money even if my card was stolen and I delayed telling the bank about it. When my attempts to pay for a phone booth by credit card went awry, resulting in some bizarre transactions, Santander quickly followed up with a phone call to confirm that I authorised them. As I hope I have illustrated in these examples, Santander goes above and beyond in making sure that their customers' money is safe and secure, and it is for this reason that I would recommend it to my family and friends. Reviewed on: 19th February 2016

I was really impressed until the fees hiked up massively. still a good account, but not as good as it was. on the way down and I am likely to be on my way out of the account.

Santander offer great incentives to bank with them. Cashback for utility bills, tiered interest on your account. Low fees. No, strike that - quite significant fees and way higher than previous!! Reviewed on: 19th February 2016

Generally good

I find Santander to be a generally good bank, never had any real problems with them so far and they seem to be on the ball with regards to account security. My only concern is that in the past i`ve been able to invest my money in savings account - this changed when they introduced the 123 account - they do offer a decent (by current standards) rate of interest for those with over £20000 (3%) but i`m not all that keen on being forced to keep all my savings in a current account which then could be accessed by someone if my card was lost/stolen. Reviewed on: 19th February 2016

Would be much better if staff knew what they were doing...

I am an ex-pat from the US who has been living in England for nearly two years now. I have residency (as per the .GOV outlines), yet still struggled to find a bank that provided services to non-EU/UK clients that were adequate and acted as more than just a glorified piggy bank. I signed up with Santander because they gave the most - a current account debit card, online banking, decent interest rates, and the opportunity to upgrade to a full 123 UK account in the future. I went in to my local branch several months ago to enquire about upgrading, and was told this would not be a problem. I sat for over an hour with one of the staff, going through my information and putting in the application for the upgrade. I was made to close my account in order to do this. At the end of that hour, I was rejected. I was not told why, and I was left without any account. I found this a huge failure on the part of the staff, as it was because of their reassurances that I followed their instructions. I finally managed to get it sorted after over a month of hassling, and am still incredibly distrustful of their customer service. Reviewed on: 19th February 2016

Good experience

Good interest rate, cash back on direct debits & good customer service - a good combination! Reviewed on: 19th February 2016

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