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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)

Unethical charges

Authorised overdraft charges are extortionate and can build rather rapidly. Reviewed on: 19th November 2017

Great rewards!

Offers great rewards for having an account with them, including cashback and interest on checking account balance. Reviewed on: 15th November 2017

Great product

Good rate of interest paid and cashback paid on dd's and mortgage each month. Reviewed on: 15th November 2017

Disappointed

Kept in queue as staff have to sell product to customers not impressed Reviewed on: 13th November 2017

Current Account

Good bank account wish I had opened this when it first appeared Reviewed on: 11th November 2017

Great customer service

I have been with Santander for a few years now and use online, mobile and local branch for banking. They are all easy to use and habe excellent customer service. Reviewed on: 11th November 2017

123, The one account you CAN count on!

easy peasey just like 1,2,3. Such a good and rewarding account . So to sum it up " Beneficial " Reviewed on: 11th November 2017

Shame about the fee increase.

This was possibly the best current account out there when I first switched to it 2 years ago. Unfortunately, with increase in monthly fees earlier this year it isn't such a great deal as it was. But it's still pretty good as the interest paid on my modest balance and on bill payments via direct debit more than covers the monthly fee. No complaints with the service from Santander either. Reviewed on: 10th November 2017

I love this account

Had it for a few years now and I've earnt over £1200 in cashback from the offers they have. Really simple and with a low monthly fee, this has been the best account I've ever had. Reviewed on: 10th November 2017

Ok if you like a straighforward way of banking

Not a problem in contacting the bank. Easy on-line information and access to the accounts Reviewed on: 9th November 2017

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