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Santander: 123 Current Account (discontinued) reviews

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% 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

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 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 (1265)

No hassle and good rewards

Great online and mobile service and never had any problems Reviewed on: 22nd January 2019

Good bank

All good, I like this bank a lot. Reviewed on: 21st January 2019

great choices

This bank employs great staff who actually know what they are talking about, unlike other banks. The 123 account is wonderful with perks for the customer. All in all I would recommend this bank to anyone who is looking to change banks. Reviewed on: 21st January 2019

Incompetent morons

Incompetent morons. I have had the same phone number for 22 years. It has been registered for Internet banking for about the same amount of time. I can see it on my Internet banking page right now in the Personal Details section. Santander, however, maintain that they have a different number for me for the purposes of making on-line payments (OTP code). As I do not know what that number is, they refuse to help me. They entered some random number on their system and want me to guess it! Reviewed on: 18th January 2019

Great account glad I made the Switch

Fab current account glad I switched, great bank with excellent customer service and turnaround time is amazing to. Reviewed on: 14th January 2019

123 Account

I opened the account approx 5 years ago, purely for the interest rate at the time. That has been drastically cut, but it still pays out a healthy amount of cashback per month so for that reason alone it stands out amongst other current accounts, and I have to do nothing. Reviewed on: 13th January 2019

Quite Good but Interest Rates Have Dropped

I have a 123 account which pays a reasonable amount of interests on the full balance; though I remember the days when you received no interests on the balance in your current account. Online banking is easy to use via the Santander app but service in the branches can be a bit dismal; even on quiet days they only have one cashier available. I tend to avoid using the branches if at all possible for this reason. Reviewed on: 13th January 2019

123

Good benefits and great customer service Reviewed on: 13th January 2019

Interest

Pays the best interest on a current account up to £20000 invested Reviewed on: 13th January 2019

Can't complain

No issues and does at least pay interest Reviewed on: 13th January 2019

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