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Santander: 123 Current Account (discontinued) reviews

4.17
Based on 1,252 reviews, last reviewed 5th Sep 2025
200% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025
Jos's avatar
Jos

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
Tina's avatar
Tina

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 (1252)

Excellent account

5
Very Easy Account to use with great online services Reviewed on: 8th November 2018

Excellent Account

5
simple to use and lots of rewards Reviewed on: 8th November 2018

Staff

5
Friendly and helpful staff, always ready to help Reviewed on: 8th November 2018

Not as attractive as it used to be

4
I haven't had any problems at all with my account, so can't comment on customer service from that side, so that's good. Mostly positive, my only criticism it that the account isn't as attractive as when I first joined due to the introduction of a monthly account fee. Reviewed on: 8th November 2018

123 ACCOUNT

5
GET MONEY BACK ON THE BILLS YOU ARE PAYING ANYWAY SO WIN WIN SITUATION. GREAT ACCOUNT. Reviewed on: 8th November 2018

Excellent Service

5
Always so helpful, either in branch or on telephone. Reviewed on: 8th November 2018

Fantastic account

5
Santander 123 account offer multiple benefits. i get 1% back on my Santander mortgage along with cashback from my household bills. The in-app offers at retailers and food outlets are an excellent benefit as i can get money back from eating out and going places with the family. I would definitely recommend this Santander account. Reviewed on: 8th November 2018

Worth the monthly fee

5
I have had the 123 account for around 5 years now and have earnt myself over £1000 in cashback from my mortgage and paying utility bills from the account. I have always found the customer service to be very good and the staff in branch extremely helpful and friendly Reviewed on: 8th November 2018

Effortless

5
Great account, excellent cashback and interest. No effort to set up, I couldn't be happier. Reviewed on: 8th November 2018

123 Account

4
Interest on your current account up to £20,000 better than most savings accounts and cashback on some purchases with the 123 credit card. I have had this account for a number of years and although the terms are less favourable than when I first took it out it is still a very competitive account. Reviewed on: 7th November 2018

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