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Santander: 123 Current Account (discontinued) reviews

View other Santander products
4.17
Based on 1,275 reviews, last reviewed 18th Apr 2026
No new 5 star reviews
in the past 90 days
100% decrease in 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:

4

Long term Santander Account I have had Santander accounts for over 10 years now and always found them to be of good service. The only downside I have encountered is the telephon... Read more Reviewed on: 18th April 2026
Margaret Davies's avatar
Margaret Davies

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 2026
robert j's avatar
robert j
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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 (1275)

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
Louise bendall's avatar
Louise bendall

Effortless

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

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
Celia Street's avatar
Celia Street

Excellent

5
This is an excellent account and there have been no problems using this account. Recommended! Reviewed on: 7th November 2018
David Kay's avatar
David Kay

Santander a Bank for all people

5
I have been with Santander for 3 years as a personal customer and the services I have received has been exceptional Reviewed on: 6th November 2018
Benson E Ikini's avatar
Benson E Ikini

123 Works for me

5
For those of you who want a decent account that gives something back for a small fee then this is one of the best accounts, you don’t need to have a vast salary paid in unlike many other accounts, this one is a minimum of £500 a month, you get cash back on direct debits to major utility suppliers & interest on your balance. Good website, I don’t get bombarded with loads of rubbish emails & they also offer rewards on using your debit card at certain retailers, just plain good all round service. Reviewed on: 6th November 2018
Kathryn Moxey's avatar
Kathryn Moxey

Great cashback perks

4
Getting £10 per month cashback on my mortgage payments each month, such a bonus Reviewed on: 6th November 2018
peter.mccleery@outlook.com's avatar
[email protected]

WIDE CHOICE OF ACCOUNTS - GREAT ON-LINE BANKING PLATFORM

5
WIDE CHOICE OF ACCOUNTS FOR BILLS AND SAVINGS - GREAT EASY TO USE ONLINE BANKING PLATFORM - EASY CUSTOMER SERVICE EXPERIENCES Reviewed on: 6th November 2018
KEN's avatar
KEN

Very happy with this account and the level of service

5
Pleased with the level of service at Santander. I have been very happy with this bank for many years, they are always happy to help with any problems and in fact most things can be resolved on line if you have that facility enabled. Nice to be able to view your account at any time of day or night to suit you. Reviewed on: 6th November 2018
Marion Payne's avatar
Marion Payne

Excellent

5
Great account being able to get interest on 20k plus cashback on DDs and various companies. Reviewed on: 6th November 2018
GlynP's avatar
GlynP

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