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Santander: 123 Current Account (discontinued) reviews

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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

55%

27%

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

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

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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 (1265)

Great product

I started using this product a few years ago and despite that interest dropped in half and fee doubled since then...it's still the best on the market...recommended++ Reviewed on: 5th February 2018

Consistently great!

Never had any problems with this account, it's always consistently great. The overdraft is great and offers me flexibility with my money, without any hefty charges occurring. The online banking app is wonderful and makes my life very easy. Reviewed on: 5th February 2018

Amazing Products but even better service

The no.1 bank. I trust Santander and the service I receive is always excellent Reviewed on: 5th February 2018

Good rate of interest

I've had this current account for many years. Although the interest rate is not as good as when the account was first launched, I am still receiving a good rate of interest on my balance and it is paid monthly into my account. The online account and app is easy to use. Reviewed on: 5th February 2018

Mediocre account and bad service

Really annoying automated system when you call,puts me off ringing Reviewed on: 4th February 2018

How a Bank Should Be

I left Lloyds after being treated poorly and have never looked back. Reviewed on: 4th February 2018

Great way of getting more out of your money

While this account used to be a lot better with more interest and a lower monthly fee, it is still a good account to get an extra bit of cash when you have up to £20,000 in your account. Reviewed on: 4th February 2018

great product

Great if you want to earn interest on a large sum Reviewed on: 4th February 2018

Bank charges for thier own mistakes

Bank charge in error, then charged daily as the original charge took me over drawn on a new account. Tried to sort at a branch, but absolutely no ability in the branch to do anything. Awful, avoid Reviewed on: 4th February 2018

savings rate slashed

Offered a wonderful 3% interest on savings up to 20K then once customers moved their business to them slashed it to 1.5% Reviewed on: 3rd February 2018

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