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Santander: 123 Current Account (discontinued) reviews

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 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 (1265)

Special account

Can't rave enough about this account! Helpful service and great that I get cashback on some bills too! I used to use Lloyds so the switchover to Santander was really painless and took just 7 days. I would urge anyone thinking of switching accounts to look at this account. Reviewed on: 3rd August 2015

Easy to switch and great account

I wasn't sure about switching to the 123 account as it sounded like a bit of hassle, but it is the best thing I've done. Was really easy to switch and the benefits you get with this account are really worth it Reviewed on: 17th July 2015

Outstanding product

I can't rave enough about how clever the 123 current account is. There is a 2 pound monthly fee, but this is more than made up for by the better savings rate on offer and cashback on household bills makes it really clever...cash back on bills is a nice feeling. Reviewed on: 10th June 2015

Outstanding

I recently switched to the 123 account and believe this to have been a great decision. Staff are friendly, and the account has lots of nice surprises, like cashback on bills! The switch was also very easy. Reviewed on: 29th May 2015

Fantastic bank account.

I opened this account over a year ago and couldnt be happier. Staff are friendly and willing to help. 3 percent interest is great too. Reviewed on: 7th May 2015

Amazing, love the card!

I have contactless and it was awesome and easy to use. I love using my card to just swipe for a sandwich or packet of crisps! Reviewed on: 28th April 2015

Fantastic cashback on the services I already use.

Santander have a reputation for less than great customer service. In my experience this couldn't be further from the truth. The staff in my branch are friendly and welcoming and I can always book an appointment with a colleague to discuss my needs. The 123 cashback on direct debits always outweighs the £2 monthly fee on my account and up to 3% on balances beats even the most enticing of ISAs at the moment. Reviewed on: 28th April 2015

An excellent product, offering a competitive interest rate and cashback bonuses on direct debits

An easy to open account with clear terms and conditions, this is a competitive product with a good interest rate for a current account. Good app for internet banking and telephone banking out of hours. A good overall product Reviewed on: 27th April 2015

Rewarding and innovative current account

Recently changed to a Santander 1|2|3 joint current account after over 30 years with an HSBC individual current account. I was attracted by the cashback benefits and the fantastic interest rates. In fact, the interest rates are so good over £3000, that you can even use it as a savings account and for your ISA until April. Customer service has been brilliant too and the switch was completely painless. Reviewed on: 24th April 2015

Customer Service is five star

I recently went into my local branch and needed help with finding transactions on an account that had since been closed.The cashier dealt with me to begin with but as it was going to take some time referred me over to another member of the team that took me to a different desk and sat me down. I was in there over half an hour and the lady was brilliant.Printed everything off I required was polite and professional throughout.I left feeling so much better than went I went in as they were so helpful.Well done. Reviewed on: 24th April 2015

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