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Santander: 123 Current Account (discontinued) reviews

Name: Santander 123 Current Account (discontinued)
Brand: Santander
Rating: 2.54 (196 reviews)

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4.17

Based on 1,247 reviews, last reviewed 18th Apr 2025

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

Goodbye Santander Unable to withdraw my cash when needed. A real lack of proactive help from this bank to keep our business. All accounts now closed. Reviewed on: 4th April 2025

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Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1247)

Still the best rewards

Getting worse, but still the best bank for rewards Reviewed on: 18th January 2021

One of the worst banks

This is one of the worst banks in the world. Their customer support has no interest and knowledge in managing customers and the phone calls repeatedly hanging, so get ready to wait a very long time. Even if you do get a hang of them, they would lie to you, so you cannot believe anything they say. They'll tell you, here is a person who will solve your problem and this person would just promise to call you later, but wouldn't. Moreover, as other people wrote here, they apply many obscure charges to your account even if you want to close it. I have never seen anything like that. I am sorry that I did not read these reviews before I opened the account, but hopefully, this review will help other people. Reviewed on: 19th October 2020

Appalling company

Doesn’t even deserve one star. This service is absolutely appalling the team is pathetic they have the working capacity of a single man you’d think the security team consists of one guy working half hour a day as the amount of time it takes to get correspondence is ridiculous my account got blocked for no apparent reason and I have been left with no money to access for travel to my place of education I am 18 years old what could have possibly caused my bank to flag up? Im a student currently unable to live and struggling all because of this selfish disgusting team of people with the worst possible approach to such a situation it is going on a week now since my account was blocked, absolutely disgusting and I’m almost certain I won’t receive any form of compensation at the end of all this from the selfish horrible company. Don’t go with Santander unless you want the p*as pure taken out of you. Reviewed on: 5th October 2020

Cards Declined for NO reason

Both my credit card and debit card declined for no apparent reason yesterday in Sainsburys so trolley full of shopping had to be abandoned! Plus I was on way home from work with not enough petrol and couldn't fill up so had to leave car there and get picked up by my fiance'. Had loads of credit in my CC and over £15k in my debit card. Called when I got home and their automated system refused to accept my call unless I had lost my card or it was stolen. Called this morning and waited over an hour to get through to speak to a customer advisor who said it was sainsbury's terminal for the debit card decline and their fault for the CC glitch. NO aplology whatsover and no reimbursement for trouble and inconvience, loss of time and effort. In fact the customer advisor was quite short with me when in fact there should have been an apologise somewhere there!? I am now taking my business elsewhere...absolutely disgraceful service to a premier customer! Reviewed on: 1st October 2020

Santander have been fined by FCA on numerous occasions for non compliance

We have had more problems with Santander conducting in a non-professional way. If you want to be shocked type into the Internet "Santander fines".... Santander have been fined on many occasions (2014/2018/2019) by the FCA these fines amount to well over £100 million pounds. As such I leave it to your imagination whether you consider this bank acts in a compliant way and has respect for their customers as the FCA who regulate them obviously consider them non compliant, hence their numerous fines (of which we as customers must have to pay for one way or another/loss of interest etc). By all of my experience they do not appear to improve at all. Question begs do you want to give them your business? Reviewed on: 17th September 2020

Easy transfers

It's so easy to set up standing orders or make one off payments direct from this account, my family and I lend and repay each other money all the time this way. Reviewed on: 12th September 2020

Great Bank

Been with several Banks over the years we found this one the best for our needs ,no problems. Reviewed on: 12th September 2020

Good Financial Deal & Facility

Good Financial Deal & Facility Reviewed on: 10th September 2020

Cash back for paying your bills

We also have a Santander mortgage, nearly paid off as it is so flexible. Reviewed on: 12th July 2020

Does what it says on the tin

A conveniet, easy to use account Reviewed on: 12th July 2020

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