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Santander: 123 Current Account (discontinued) reviews

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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

55%

27%

Latest highest rating:

5

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

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

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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 (1252)

Best interest rate on the market

Having a regular monthly interest in your account is great. Much better when it was 3% but that's brevity for you. Getting cash back off bills is excellent too Reviewed on: 11th February 2018

Add cash to your cash

Great account which rewards you for being a customer. Reviewed on: 11th February 2018

trustworthy

No problems, any queries answered quickly and always friendly. Great bank! Reviewed on: 11th February 2018

Good

Good for savings and interest. Was much better before they slashed the interest rate in half though! Reviewed on: 10th February 2018

just okay

they aren't that good when you actually need their help! Reviewed on: 10th February 2018

Best of a bad bunch

I receive interest on my account, and they still have branches unlike my other bank Reviewed on: 10th February 2018

Absolutely Amazing

I will never change banks if my experience is like anything it has been previously. Never ONCE had a problem with Santander and they're a very helpful company. I feel extremely safe and secure with this bank, due to constant fraud checks and heavy security on online banking. They are trustworthy, which is a vital quality for any company to have. Amazing. Reviewed on: 10th February 2018

Complex idea made good

The 123 has been an attractive deal, with rules that allow customers to feel they are getting a good deal. Reviewed on: 9th February 2018

poor interest

from being one of the best current accounts its poor interest rate and charges i am now switching to another bank. Reviewed on: 9th February 2018

Great cash back

Easy to use, great at giving cash back. Was better before the £5 charge though Reviewed on: 9th February 2018

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