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Santander: 123 Current Account (discontinued) reviews

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
Tina's avatar
Tina

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)

No problems

4
They have been very smooth, no issues whatsoever, very friendly and very good customer service Reviewed on: 22nd November 2019

Basic bank account easy access

5
Not much you can say really, its a basic account but is easily managed with their great online platform. Reviewed on: 22nd November 2019

Great

5
Love this account - cashback on my mortgage, utilities and other bills. Reviewed on: 22nd November 2019

Always helpful,,,

4
I changed my bank after spending over 25 years with HSBC (Midlands Bank) and have never looked back, they are always so helpful when I ring. The cashback is very reliable and they check unusual purchases promptly Reviewed on: 22nd November 2019

On The Ball

4
I recently had an attempt to fraudulently take money from my account. Fortunately it was flagged by Santander as an unusual transaction on my account and I was contacted. The only thing was, I was rung on my mobile and refused to believe that the person on the phone wasn't a fraudster and refused to speak to them I went home and rang them back from my landline. I was able to confirm the transaction wasn't mine. Scary moment but they handled it well and I was pleased. Reviewed on: 22nd November 2019

2000 cashback

5
I've made just under £2000 in cashback and interest over the years with this account. Love it! Reviewed on: 21st November 2019

good product

4
competitive product but was more attractive when interest rate was 3% Reviewed on: 21st November 2019

Good experience with Santander

4
I love this account. Online banking is super easy to use and the student and graduate accounts have been so useful with their interest free overdrafts. Would definitely recommend this account to recent graduates Reviewed on: 21st November 2019

Save while you pay

5
Great cash back incentives to pay household bills via direct debit Reviewed on: 21st November 2019

Great account

5
Ive had the 123 current account for about 5 years now and cant fault it. It gives a good rate of interest every month Reviewed on: 20th November 2019

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