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)

Great account

Never had any issues with this account, great customer service Reviewed on: 6th November 2017

Top quality

Despite the monthly fee, it is well worthwhile if you pay bills from your account. Reviewed on: 6th November 2017

Worth monthly fee for great interest rates

Even with the £5 per month charge, the 123 account is still a great place for savers with 3% interest on balances up to £20k. We also make use of the cash back on our utilities and travel/petrol monthly expenses. Reviewed on: 5th November 2017

Awesome Product

Great app , great customer services and relevant range of products.... Would recommend ! Reviewed on: 5th November 2017

123 great for cash

Easy way to earn money on household bills as well as a decent interest rate Reviewed on: 5th November 2017

123 current account

Cash back on utilities comms and council tax. They did pay 3% in savings but reduced it to 1.5 %. The monthly charge increased from £2 to £5 meaning it’s not the great choice it once was and with interest rates increasing there may now be far better options available.. i have no complaints about the bank or their customer service however, they have never let me down. Reviewed on: 5th November 2017

Free 4 year railcard

Good service, easy to deposit cheques and sorts out any problems. Good fraud prevention. Got a new card very quickly Reviewed on: 27th October 2017

Best bank we have ever used

Every thing about this bank 123 account is first class. and he bank staff are also first class as well. But on the business side they are very very poor maybe i would give then 2 stars Reviewed on: 4th October 2017

So far so good

Switched to Santander 4 months ago when my building society stopped doing current accounts. With interest rates so low I was attracted by the rate I would get on my balances and the cash back. The switch went smoothly and running the account on-line is straight forward. Had a couple of issues that needed customer support and I was satisfied with the speed and quality of response. Reviewed on: 4th October 2017

Always recommend santander

Have never had a bad experience with Santander. Great customer service. Although I don't like being directed to a machine instead of a person. If I go into the bank I want to deal with a human Reviewed on: 4th October 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

FlexAccount
from Nationwide 4.62 from 1109 reviews
Select Platinum Current Account
from RBS 3.41 from 42 reviews
Student Current Account
from The Co-operative Bank 4.16 from 8 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