Smart Money People Logo
Go to business site
Share this page
Link copied

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
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:

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
A's avatar
A

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
Karen's avatar
Karen
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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Santander 123 Current Account (discontinued) reviews (1265)

Complex idea made good

4
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
Christophe Jenkins's avatar
Christophe Jenkins

poor interest

1
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
Michael Carter's avatar
Michael Carter

Great cash back

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

Great Bank

5
Great Customer service & top staff Reviewed on: 9th February 2018
Paul Aislabie's avatar
Paul Aislabie

Great bank

5
Excellent customer service and reasonable banking rates Reviewed on: 8th February 2018
jharvey43's avatar
jharvey43

123 Current account

4
The Santander 123 current account, is great for me as I can earn money back from it. My mortgage payments go through it every month automatically, meaning over the past 5 years, I have earned over £300! a welcome amount! Reviewed on: 8th February 2018
Myles Roberts's avatar
Myles Roberts

Great bank

5
I changed from Rbs to Santander a year ago now and would not look back Reviewed on: 7th February 2018
Gemma craig's avatar
Gemma craig

Happy with account

5
Very happy with accont, can access it online which is convenient for checking and transferring money, no problems, also commission paid for direct debits etc is handy Reviewed on: 7th February 2018
Marion Payne's avatar
Marion Payne

Been with for 20 years

4
Been with the bank for 20 years and have only had a few problems and they was sorted out there and then. Reviewed on: 7th February 2018
Sian 12345's avatar
Sian 12345

GREAT PRODUCT!

5
Excellent customer service at my local branch at Devizes in Wiltshire. Great to receive interest on a current account. Reviewed on: 6th February 2018
BARBARA's avatar
BARBARA

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

Want to see more from Santander?

  • Life Insurance

    from Santander 5.00 from 2 reviews
    Santander

  • Choice Current Account

    from Santander 4.09 from 18 reviews
    Santander

  • Zero Credit Card

    from Santander 4.08 from 19 reviews
    Santander
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill