Write a review

Newsletter

Go to business site

Santander: 123 current account (discontinued) reviews

View other Santander products

4.12

Based on 1,276 reviews, last reviewed 18th Jun 2026

17% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 2026

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.

Write a review

Santander 123 current account (discontinued) reviews (1276)

Amazing Account

You make more on this current account than you would with a savings account. Reviewed on: 20th November 2017

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

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

Alternative products

Cash Card Account
from Barclays 4.61 from 143 reviews
Current account
from The Co-operative Bank 4.21 from 430 reviews
Premier bank account
from HSBC 3.69 from 87 reviews

Want to see more from Santander?

Cash ISA
from Santander 4.37 from 84 reviews
Basic current account
from Santander 4.33 from 337 reviews
All in One Credit Card
from Santander 4.29 from 23 reviews

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

News, guides and insight from our team

View resource hub