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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)

Santander account

I have always had happy banking with my 123 account, making money for paying bills through them Who wouldn't want to earn money when paying bills !! Reviewed on: 1st January 2018

Always reliable and never encountered any problems

Staff are always friendly in my local branch and I have never encountered any problems. Details are accurate and online banking seems to be OK, though I prefer a visit to the branch. This is no reflection on the system. I just have reservations about the whole idea of online banking in general. Reviewed on: 31st December 2017

Perfectly adequate

Been banking for 10 years, no issues. Reviewed on: 31st December 2017

good account in the past but charges are now too high

good account in the past but charges are now too high Reviewed on: 31st December 2017

Santander on top

If ever there's a need for me to call Santander the staff are always helpful and always ready to go that extra mile to sort your requests or problems out. Great bank!! Reviewed on: 29th December 2017

123 Graduate Account

Had a great customer service experience when opening my Graduate 123 Account. Initially enticed by the 3% monthly interest on account values of up to £2000. Although I must say Santander customer service is great, it was also a little too much which I found a little offputting e.g. personal banker saying she would phone me to find out how I am getting on. I understand this from the banks point of view but I find this a little odd. Other than that, they are one of few banks offering a great high interest current account rate. Reviewed on: 26th December 2017

good account fan of Spendlytics

Spendlytics app is a great way to keep on top of your spending really improves te current account. Could have better interest and customer service. Reviewed on: 21st December 2017

Can Recommend

This is an option I guided my young-adult daughter towards and so far, so good. Reviewed on: 19th December 2017

Excellent - Highly recomment

Applied for an account online and I had a new account, card and pin number within a week. Fantastic. Reviewed on: 13th December 2017

123 Steps to great savings

I love the Santander 123 Savings account because it gives you a generous interest rate (1.5%) and you get cash back on bill payments, council tax and other services. You can get a great interest on savings upto 20000 and although you have to pay £5 a month for the account you make it back (and much more) on the interest and cash back alone. I would definitely recommend this bank account to everybody. Reviewed on: 11th December 2017

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