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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)

Deserted my local high street(Penarth)

Had a very good local branch which I used a lot which was closed and I was told to go the next town! As a result I have started moving money away from Santander to providers with branches in Penarth Reviewed on: 12th November 2019

123 Account

Cashback on bills and interest on up to £20,000 easy to manage online. Reviewed on: 5th November 2019

123 Account for Me

This is one of the few bank accounts that don’t require a minimum pay in of over £1,000 needed to open it, making it accessible to those in lower paid occupations. For the monthly fee of £5 you get interest on your balance and cash back on direct debits to utility companies. They also have an offers page where you can earn cash back on certain retailers and popular eating out brands, by choosing the offers you want and using your debit card at them. All in all a good account with rewarding features. Reviewed on: 5th November 2019

Great cash back

When we pay out a fair amount of our income on household bills, it's rewarding to know that we'll get a bit back as cash back from our 123 account with Santander. They are such an understanding & helpful bank to be with. Reviewed on: 5th November 2019

Excellent

A great account paying good interest on 20k. Reviewed on: 5th November 2019

Excellent account; shame about charge and lower interest

I’ve had this account for several years, and whilst it’s great, I have seen its benefits eroded, particularly with regards to interest. Reviewed on: 15th September 2019

Ok for the moment

I've had serious problems with Santander in the past, but currently they seem to be doing better than ever in my personal experience, I've had great customer service from them, their fraud prevention seems great as I've had a couple of attempts of money being taken from my account and they were on the ball and spotted it immediately and put a stop to that money going out of my account, even when it was a tiny amount for the fraudsters to check it's an active account/card. It's great to be earning cashback on my everyday purchases and direct debits. I'm a happy customer for the moment. Reviewed on: 15th September 2019

works for me

with this bank fornso many years never a problem Reviewed on: 13th September 2019

great account simple as 1 2 3

love my account , great service , great offers Reviewed on: 31st August 2019

Money back on bills

Great perk to get cash back on regular spend, great to use as a household bills account Reviewed on: 21st August 2019

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