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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

200% 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)

a great account had no problems at all been with them years

iv had this santander account for a few years now and had no problems at all and have been good, Reviewed on: 10th April 2015

Painless switch to Santander by a very knowledgeable and helpful member of staff.

I've had several products with Santander over the last few years that I've been pleased with so I decided to switch from the bank I'd been with forever to Santander's 123 current account. This turned out to be a great decision. A very nice, knowledgeable, helpful member of staff sat down with me and explained everything as if she had all the time in the world for me. She took care of everything, and explained what she was doing as she went along. It was painless. The product itself is excellent in that I get cashback on various bills that I pay monthly plus 3% interest on my balance. The £2 per month fee is swallowed up by the income I get from the account and I easily come out on top. When I switched I chose to close (or have Santander close on my behalf) my pre-existing account with another bank and because of this the switch process only took seven days. I'd definitely recommend this product for anyone who wants to make the most of their money. You will need at least £500 per month coming into your account on a regular basis and you will also need two direct debits set up. That's it. Simples! Reviewed on: 26th March 2015

good account but international usage is a nightmare.

Santander charge ridiculous amounts to use their accounts for international transactions.. Then when things fail you can't even get through on the phone from overseas. Then they follow up by sending you a phone number that only works from UK for a few hours of the day when you are probably asleep. Reviewed on: 10th February 2015

So good my husband switched!

You could say I’ve grown up with my bank. I joined Santander when it was Abbey National, straight after university and found my savings and investments mature as I made my transition through life. Whether it is in a branch or on the phone, I have always appreciated the skilful ability of Santander employees to address my needs, as a result I have held everything from mortgages to ISAs and bonds with them. Why have I never been tempted with one of the many opportunities to ‘earn £100 if I switch to Bank X’? Apart from the fantastic 3% that I earn on my 123 Current Account, there’s no price that can be put upon the level of friendliness and genuine desire to help when I ring Santander Select for support. That never fails to brighten my day. Reviewed on: 24th January 2015

Excellent customer service online and in-branch and a real money saver compared to my previous account.

I switched to Santander early in 2014 and from day one I saved money both on my overdraft and with their various cashback incentives. Online baking is smooth and functional and staff in branch are always cheerful and helpful. They offer value combined with great customer service and a willingness to go the extra mile, What more could you want from a bank! Reviewed on: 9th January 2015

Unfortunately the company all round has lead to me instigating leaving, rather than this particular product.

It was almost laughable when they sent me a credit card to consolidate my debts with - and gave a credit limit of £500! I wish that was enough to consolidate my debts! Reviewed on: 7th January 2015

Extremely helpful and friendly staff, quick online answers to any questions asked

Santander has always been helpful and polite both instore and on line, if you ask a question online they come back with an answer very quickly, great service, great bank account with cash back Reviewed on: 22nd December 2014

Agree with the other reviews - good all round

Came to say that this current account has been easy to use for me...the other reviews have said it all for me though :-) Reviewed on: 29th October 2014

Good account and switching easier than I thought

I switched to the 1I2I3 account after many many years at another bank. Although this is a paying account, the value is pretty good when you consider the service you get and the cash back - happy I moved over Reviewed on: 23rd October 2014

Best Interest rate return in the market.

I think this is the best current account in the UK at the moment as is providing a 3% return on savings plus giving 1%-3% on my usual bills such as phone to gas/ electric. Quite impressed! Reviewed on: 20th October 2014

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