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)

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

spend and save

good service, rewards and interest rate Reviewed on: 9th November 2017

Easy way to earn cashback

Easy to set up account and earn money whilst saving and spending Reviewed on: 9th November 2017

lost the gloss

The interest went down, the fee went up, it's no longer the best Reviewed on: 8th November 2017

Good benefits providing you get more than £5 to offset the monthly fee

Great to get money for having certain debits which cancels out the £5 monthly fee. Would be a better account if monthly fee was reduced. Reviewed on: 8th November 2017

Good, friendly service at local branch but the 123 Santander is not as good as it used to be

I have had a Santander 123 account for a few years. I have always had good, friendly service at my local branch. However, I am considering a change of account as the interest rate has been lowered to 1.5% (previously 3%). With interest rates likely to rise this account is likely to become less competitive. Reviewed on: 8th November 2017

Easy to use and great returns

I have used Santander for years now, ever since they offered a fantastic new customer deal. I am impressed with the simplicity of their app and the ease at which I can transfer funds. I am also very pleased with the returns I have made on my money and will continue to be a loyal customer of theirs. Reviewed on: 8th November 2017

Easy Banking for Anyone

We switched to Santander back in 2015 when our current bank let us down. Everything from the paperwork to online banking has been effortless, I have signed up for alerts so they let me know if I'm getting low on funds without having to check in everyday Reviewed on: 8th November 2017

Good online services

Good online usability but useless on telephone for cust service Reviewed on: 8th November 2017

Declining Service

I have 2 accounts with this company. With high street banks declining I was tempted into their rates of interest. At one stage I wasn't earning any interest whatsoever over several months because I hadn't the right direct debits in place. This bank is quick to blame but not to support. Why can we not have personal service of high quality with people working their best for us and tracking our financial movements like a Financial Advisor as a matter of course. They earn enough out of us after all. Reviewed on: 8th 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

Everyday current account
from Santander 4.01 from 205 reviews
Personal account
from Revolut 4.75 from 92208 reviews
Current Account
from Algbra 3.93 from 2 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