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Santander: 123 Current Account (discontinued) reviews

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4.16

Based on 1,247 reviews, last reviewed 18th Apr 2025

1100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

Goodbye Santander Unable to withdraw my cash when needed. A real lack of proactive help from this bank to keep our business. All accounts now closed. Reviewed on: 4th April 2025

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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 (1247)

tip top bank

Always been a Santander member, I think they are a very fair company, good overdraft limits and customer service Reviewed on: 16th April 2018

Good product

Good experience from the company Reviewed on: 14th April 2018

Fantastic Provider

Santander have the best current account rates and an amazing cashback system for normal household bills. My account receives a generous income boost each month and now also includes cashback from shopping at specific retailers. Their banking app is very user-friendly and straight forward to use, and the customer service/support is brilliant. 100% would recommend Santander to a friend. Reviewed on: 6th April 2018

Excellent customer service

been with santander about 6 years and have been really impressed with the customer service. Staff are always friendly and knowledgeable. They made a small mistake when first swapping to them which they put right as soon as we mentioned it and gave us a small amount of money to say sorry for the inconvenience. What more can you ask for. Very impressed. Reviewed on: 4th April 2018

Good all rounder

The 123 account is good but not the best on the market. It is easy to set up, plenty of branches in towns to speak to someone in person. They are very honest about whether it is worth paying the fee to get the cash back. Online banking is good quality. Reviewed on: 4th April 2018

Great interest rate

We get a great interest rate on up to £20000, and its always a pleasure to go into branch Reviewed on: 4th April 2018

Lemon Easy!

My 123 Current Account is simple and easy to use. Santnader have made it clear with regards to my spending and even have an app 'Spendylytics' to help show my use on my 123 current account. It suits all my needs and offers a useful overdraft for emergencies too. On top of this, they have special offers for discounts on other stores. Reviewed on: 4th April 2018

Average banking

Charged £5 per month for account benefits, a large increase from £2. Not much benefits. Reviewed on: 4th April 2018

Good place to keep you £20k

Good online account with offers got credit card use and 1.5% on £20k. Energy bills cash back as well. Not bad.... Reviewed on: 21st February 2018

Good overall, lacking branches outside of city centres.

Joined in 2014, no issues with products or communications and 123 account is sill just about worth it for me despite interest drops/increased charges. Plenty of branches in city centres (often multiple) but hard to find elsewhere. Reviewed on: 14th February 2018

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