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Santander: 123 Current Account (discontinued) reviews

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4.16

Based on 1,271 reviews, last reviewed 25th Mar 2026

900% 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

A very reliable service provider A very reliable service provider Reviewed on: 25th March 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 (1271)

Great monthly interest

I've had this for a few years now. Yes the £5 fee is annoying and they dropped the interest rates. But I still get around £15 a month interest for a £5 fee. No brainer! Reviewed on: 27th April 2020

Mortgage Freeze

Freeze your mortgage online, its easy, don't phone they wont answer. Reviewed on: 20th March 2020

Moved All My Money Elsewhere

Used to be a good bank, but then it reduced its 123 account from 3% to 1.5%, and it's going to reduce the rate again later this year to 1%. The fact that Santander must pay Ant & Dec millions to advertise for them irritates me even more. Ditch Ant & Dec - they don't make anyone want to be with a bank - the opposite in fact - very annoying! All the majority of customers are bothered about are interest rates and benefits, not pointless celebrities acting stupid in adverts!!! Reviewed on: 25th February 2020

Friendly and efficient

Staff at my local branch are very friendly and helpful. Any problems I have had have been dealt with very efficiently. Reviewed on: 9th February 2020

always had good service but disappointed by recent interest rate reductions

I have been with Santander for over 20 years and have always valued this bank for it's level of service and for the interest paid on balances Also for the cashback earnings on regular bills. Recently however they have announced an interest rate cut which makes them one of the poorest paying banks in the UK. Reviewed on: 9th February 2020

good account

great account and easy to use online access Reviewed on: 9th February 2020

Drop in interest rates

Santander are about to drop the interest rates from 1.5 to 1.00 meaning thousands and thousands of people will change bank accounts in the next few weeks.How can a bank afford to lose so many customers over a measly .5% Reviewed on: 9th February 2020

Fraud prevention gives peace of mind

I have held both a business and a 123 current account for years with Santander. Their security systems are very impressive. On a couple of occasions, having made expensive purchases on my card, they have called me before processing the payment to ensure that it was me and not fraudulent use of my card Reviewed on: 9th February 2020

We get money back and interest

|At least we get something back. Reviewed on: 9th February 2020

123 account

The best current account on the market. 1.5% interest if you have £20,000 in your account plus money back on utility bills all for £5 a month. Reviewed on: 8th February 2020

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