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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)

Instant online banking .... unless you're locked out for weeks

I got locked out of my account due to using an incorrect PIN. A new one was requested immediately but was told it takes 5 to 7 working days. 13 days and several complaints later, they said they would send new login details which would take a further 5 to 7 working days. For the last 3 days, via twitter, I have been promised a call but nothing. I am still waiting having been locked out of my account for 16 days. Using faster payments I can transfer money within minutes; that is after waiting several weeks to get back online! Reviewed on: 29th September 2017

Great modern service

They have a vastly greater app and overall online banking service than other high street banks that i have dealt with. Another great point is their modern and convenient ATM machines that allow deposits and £5 withdrawals. Reviewed on: 26th September 2017

Great service

This is my first account with Santander, they were so helpful when setting the account up. I had lots of questions afterwards, I phoned them and they talked me through everything - even repeating much of the same thing! Reviewed on: 19th September 2017

Overdraft

I've needed the overdraft more than once and been very thankful to have one. Would recommend to any student. Reviewed on: 17th September 2017

Wonderful

Has been everything I needed it to be whenever I wasn't able to help myself Reviewed on: 17th September 2017

Student account

I have a student account with Santander and I love it. I have a £1500 free over draft limit which suits me so well and get a free railcard for 4 years which is so handy as I live near London for uni. Recommend for any new student needing a student account. Reviewed on: 14th September 2017

Easy to set up and straightforward to manage online

An account that charges £1 per month and pays back a little more depending on the number of direct debits you set up. The account was easy to set up at my local branch although the appointment for this took a week. Online banking is straightforward. Reviewed on: 12th September 2017

Great cashback

The cashback on household bills is great and soon amounts up over time Reviewed on: 12th September 2017

Great for students

I have a 123 Student account, and it's been perfect for my time at uni. I received a free Railcard which has been so useful, and a generous overdraft. The Santander app is great for keeping on top of your spending. Reviewed on: 5th September 2017

Good customer service

Needed a new card as details were stolen. But this flagged as fraudulent activity and no money was stolen. Great client protection and a new card was sent straight away Reviewed on: 5th September 2017

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