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)

Does what it says on the tin

Great account, cashback on selected purchases. What's not to love Reviewed on: 15th November 2018

great current account

simple online banking, friendly staff in branches and easy to use! Reviewed on: 14th November 2018

Never had any problems

Been with Santander for around 10 years now and cant fault them Reviewed on: 12th November 2018

If it isn't broken don't fix it

I have had this account for a long time now - yes there may well be slightly better deals or tempting offers but I am so happy with the service that I don't want to change Reviewed on: 11th November 2018

Average

I find their current account average and their customer service poor Reviewed on: 11th November 2018

Excellent customer service

No matter what the query is, I have always found the staff at Santander to be incredibly helpful and patient. Reviewed on: 10th November 2018

123 account review

I have found the 123 account to be really positive. The ability to make money each month has been very helpful with getting cashback on my household bills, plus 1.5% on the balance. Reviewed on: 9th November 2018

Good and flexible bank account

Great bank account with a decent overdraft. Still has a branch nearby unlike most banks Reviewed on: 9th November 2018

Good rewards, but not as high interest as in the past

Good rewards and improved banking app, but not as high interest as in the past. Reviewed on: 8th November 2018

Great everyday account

Good for cashback on household bills and pays decent interest if you have a healthy balance. Overall, I think I've been better off keeping this account than getting new customer bonuses moving around to loads of different banks. Reviewed on: 8th November 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

Cashback Plus Debit Card
from RBS 3.46 from 4 reviews
Current account
from Starling Bank 4.94 from 27399 reviews
Graduate Account
from NatWest 4.34 from 62 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