Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

View other Santander products

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

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 (1265)

A good value account

Santander provide good value banking and helpful service. Reviewed on: 2nd January 2019

Helpful Banking

I have found this account great for everyday banking, a debit card for everyday use, paying all my bills by direct debit, whilst earning cashback on the payments, small amounts, but all a saving, and peace of mind that all the bills are paid. Reviewed on: 2nd January 2019

Great current account interest rate

Santander 123 has consistently had a better interest rate with no risk and no locked in commitment compared to its competitors even though it has reduces its interest rate and increased its fee it is still in my opinion the most lucrative current account. Reviewed on: 1st January 2019

Helpful, informative and money saving!

I have a number of products with Santander and have found them to provide excellent service over the years. When the products you are on dont maximise your earnings they will meet with you to improve. The shop cash back is also an added bonus!! Reviewed on: 1st January 2019

The Best

I am very happy with their service and I highly reccomend to everyone. Reviewed on: 31st December 2018

Customer service is fantastic

We recently switched to Santander and have been really pleased with the customer service online and in branch. Reviewed on: 31st December 2018

Santander

Strictly average account, I'll be looking for a better one on the New Year Reviewed on: 31st December 2018

Cashback and Intrest

Receiving cash back and interest is a great benefit. You also get additional benefits such as higher interest rates on savings and discounts on travel and home insurance Reviewed on: 26th December 2018

gives you cash back

earns money easily and helps my daughter save Reviewed on: 25th December 2018

AmaZing!

Friendly staff. Always helpful! Love it! Reviewed on: 23rd December 2018

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

Under 16s account
from Monzo 4.96 from 546 reviews
Current account
from Barclays 4.50 from 4919 reviews
Current accounts
from Zempler Bank 4.85 from 7818 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Zero Credit Card
from Santander 4.16 from 20 reviews
Choice Current Account
from Santander 4.06 from 18 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