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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)

Simply the best

Not only do you get interest on your balance, but also get paid interest on selected offers from time to time, when purchasing goods or services on well known brands and high street names. Reviewed on: 12th January 2019

Great bank to use

This is a great bank to use with happy staff to help wherever they can. Great products Reviewed on: 12th January 2019

Make money no brainer

Despite the £5 monthly fee, I always make more back from the utilities and retail cash back. Only had to call customer services a few times and always very helpful. Reviewed on: 11th January 2019

Decent bank

Haven't had a problem yet. Pay £1 a month and earn over £25 back from paying direct debits & using my card at certain shops. Reviewed on: 11th January 2019

Pretty happy with Santander

It was very easy to switch to them with a nice incentive added. We get regular interest payments on our utilities which has built up over the months. Great for a little extra in the bank. Reviewed on: 11th January 2019

Great account, great bank

This account does what it says on the tin and is easy to use, reliable and from a great bank. Reviewed on: 9th January 2019

Great Bank Account with added perks

Great customer service and internet baking app easy to use! Reviewed on: 9th January 2019

Easy to use and makes me money

Simple process of using my savings and access account to make interest on my spare money while still having easy access Reviewed on: 9th January 2019

Cashback

Great account, we’ve earned quite a bit of cashback by just having direct debits set up. Reviewed on: 8th January 2019

Really annoying account

They charge you for it, constantly reduce interest rates, and have crap customer service. Reviewed on: 8th January 2019

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