Write a review

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

92% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 2025

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

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1250)

Best going

Excellent two way communication skills by telephone, online or in branch. All the family now with this company. Reviewed on: 30th April 2019

Quite average

Quite average, not many perks, phone service not great Reviewed on: 22nd April 2019

All good and excellent online banking !

All good and excellent online banking ! I don't think I've ever needed to go into a branch - I can do it all online ! Reviewed on: 19th April 2019

Does an ok job

offers little incentives, purely a savings account Reviewed on: 18th April 2019

123 Santander Current Account Card

This card is ideal as not only does it give you interest over a period of time, the security has been boosted recently with real time texts on activity and has now added more flexibility to the app like transferring cash and things only available on desktop. Reviewed on: 17th April 2019

Great interest rate and benefits

Great rate of 1.5% on up to £20,000, and money back on household bills - perfect for everyday banking Reviewed on: 17th April 2019

Excellent service

Excellent service and cashback, I would thoroughly recommend Reviewed on: 16th April 2019

Bank

Good understanding bank .always helpfull and service good Reviewed on: 15th April 2019

Nothing to complain about

I have always been with Santander and had no problems at all. I know there are other accounts out there with better benefits but have had no reason really to switch. Reviewed on: 15th April 2019

Rubbish - Stay away!!

Don't waste your time - Stay away!! Absolutely RUBBISH service, I have been with the bank for few years but i only started using them as a primary bank recently and as long as you don't have to contact them it woks fine. However, recenly I used their app and tried to make a payment to a friend in emergency and it confirmed that it went OK, but i only found out after two days from my friend that the payment wasn't received. This happened 2 times in a row so can't be an isolated one off incident. Santanders customer service, fraud team all gave contradicting reasons why the transactions didnt go through. I asked my other friends and they said the same thing that the bank is not at all reliable when you have to make emergency payments via their site or apps and their call centrea are not 24/7. Don't trust the customer service they say something on the phone and something else comes by post when you raise a complain. Their call centres are also not 24/7; as you would expect for someone who has a premium 123 current account where u pay a monyhly feee. Don't waste your time - Stay away and bank with other reputable high street banks!! Reviewed on: 23rd March 2019

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current Account
from Smile Bank 3.82 from 104 reviews
Current account
from Citibank 3.61 from 9 reviews
Debit Card (discontinued)
from Fineco Bank (inactive company) 0.00 from 0 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.16 from 17 reviews
Saver
from Santander 4.02 from 54 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub