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Santander: 123 current account (discontinued) reviews

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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

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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 (1276)

Money for nothing

You use a current account, right? You pay your bills by DD, right? Do both with Santander 123 lite, and for £1 a month, get circa £5 a month cashback. It's effectively free pennies for stuff your bank does anyway. Reviewed on: 8th November 2017

VERY GOOD PRODUCT

VERY GOOD PRODUCT CASH BACK MAKES IT VERY INVITING MAKES YOU FEEL LIKE YOUR ARE EARNING A BIT OF EXTRA MONEY WHICH OF COURSE YOU ARE. BUT VVERY GOOD COMCEPT. Reviewed on: 8th November 2017

Excellent account

Cash back on bills happy days, easily pays back more than nominal monthly charge Reviewed on: 8th November 2017

Satisfied with Santander

I like the fact that I get money back on what I spend. It encourages me to use this account and the credit card which, in turn, means most of my spending is in one place so I can administer it better. I found this account to be efficient. I do online banking and it's very secure. Staff on the teleohone are helpful and knowledgeable. Reviewed on: 8th November 2017

Personal Banking

I've been with Santander since it was the Alliance snd Leicester and what has kept me a loyal customer, is the people behind the counter. No mstter which branch i use the staff are allways helpfull, well trained, and most importantly for me, friendly and knowledgeable. Reviewed on: 8th November 2017

Good rate of interest.

Good rate of interest on £20000 with instant access. Reviewed on: 8th November 2017

Title

It's a good account, as long as you have your bills paid out of it Reviewed on: 7th November 2017

Santander current account

Nothing special, but does the job Reviewed on: 7th November 2017

Cash back please!

This is the perfect joint account for your household bills. The mobile banking is seriously easy to use and you get a nice cash back every month from your direct debits for bills and even mortgage if it is with Santander. Reviewed on: 6th November 2017

Average Joe

I was approached to sign up to this account on one of my visits into my local branch. I just about break even and get back what I pay for my monthly fee. I think this account would be most suited to those who use their bank account to pay for all their household bills and direct debits to make it worth applying for. I've been with Santander (Previously Abbey) all my adult life and although this isn't necessarily the account for me the staff at my local branch are friendly and helpful so I would still remain, may be just look for a different product that suits me better next time. Reviewed on: 6th November 2017

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