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Santander: 123 Current Account (discontinued) reviews

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4.16

Based on 1,264 reviews, last reviewed 24th Jan 2026

150% 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:

4

Helpful staff Staff are always helpful but not enough tellers in the one remaining branch in our town, online banking is good Reviewed on: 24th January 2026

Latest lowest rating:

1

Santander the worst experience we ever had I needed scaffolding to paint the exterior of our house. Scaffolders were recommended to us and came round and quoted £2000 with £1000 to be paid upfr... Read more Reviewed on: 23rd January 2026

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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 (1264)

cashback

Pay your bills from your account, and have credit in the account, and you'll more than make up for the account fee with interest and cashback. Great bonus for having the account. Reviewed on: 1st July 2018

Not the best, not the worst!!!

Overall I don't have huge problems with this bank/account, but there are a serious lack of branches that I can actually walk into these days. However the online banking element is a strong one, and a major positive for me with this particular account. Reviewed on: 23rd June 2018

So many benefits

Me and my husband have 3 123 accounts between us and take full advantage of the cash back and savings available. The only downside is the interest rate has reduced to half. Reviewed on: 9th June 2018

awesome

Great service by the staff and a great product too Reviewed on: 9th June 2018

Not happy with the complaint service

It was cashbook issue .According to Santender I have selected credit card for accepting cash back money which I was anware and now I changed to my curent account.But they won't pay me back the cash back which went on credit card as I have not used the credit card.As it's not santdender error they said I lost that money.. One bank I phoned to report theft of my card..as a sorry they gave me £20.0 with no reason..so happy as I lost some cash aswell. See the difference between service with other bank and santender. Here they didn't give me what I earned through shopping saying it's not santender error and the other bank paid me because they valued customer. Reviewed on: 31st May 2018

Good and Easy to use

Build up good rewards, and no problems with my account. Reviewed on: 16th May 2018

Santander Bank

Easy to get in contact with a person for any questions or issues you might have. Quick and easy to set up payments and transfers either on their app or website and moneys always receive and sent within seconds. Recommend bank Reviewed on: 3rd May 2018

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

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