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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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025
Jos's avatar
Jos

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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Tina
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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)

Best account out there

4
I thought about switching for a while, and the 123 account is the one I opted for. Yes, there is a monthly fee, but the benefits this account brings are huge. Well worth it. Reviewed on: 16th October 2014
Annie's avatar
Annie

Generous overdraft for student accounts

5
I have banked with Santander for just over 2 years now. I took out the 1-2-3 Student Current Account as they offered £1,500 0% overdraft and also £50 for singing up. At the time (2012) this was the best deal around. £50 was paid very quickly and my payments from the student loans company are always on time with no problems. The online account management is easy to navigate and has a good layout. All the features are easy to use. The mobile app is basic and simple to use, ideal for when you are on the move, it contains a good feature where you can send individual transactions via email or to your phone contacts. It is very easy to manage all day to day tasks online. Never had any problems with Santander so have not had the need to contact them. They offered a £1500 overdraft which then raises if you decide to stay in education (i.e. masters). Would recommend the 1-2-3 Student Current Account as they offer good sign up bonuses, from instant cash to 4 year free railcards etc... Only con with this account is that the card they provide cannot be used for all online transactions - such as post office withdrawals etc... Reviewed on: 7th October 2014
CarlW21's avatar
CarlW21

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