Paid advertisement
Smart Money People Logo
Newsletter
Go to business site
Share this page
Link copied

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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

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
Lorna Ridgers's avatar
Lorna Ridgers

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
robert j's avatar
robert j
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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Santander 123 current account (discontinued) reviews (1276)

Good customer service

5
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
tanflo's avatar
tanflo

Safe student saver

5
Santander offers a brilliant student account that so many of my friends and I have. With their big 0% overdraft and no minimum income it is a great choice for students AND offers a brilliant deal with a 16-25 Railcard Reviewed on: 5th September 2017
Beatrice Tompkins's avatar
Beatrice Tompkins

Good service

5
Friendly bank, I get a free 16-25 rail card which saves me so much money, and get good interest rates Reviewed on: 5th September 2017
Kyle Beckett's avatar
Kyle Beckett

Good

4
Reasonable overdraft, good customer service, probably some other benefits Reviewed on: 5th September 2017
Nathan Henshaw's avatar
Nathan Henshaw

Good customer service

3
Found our local branch always very helpful and supportive Reviewed on: 25th August 2017
Gary Pugh's avatar
Gary Pugh

At last, a bank that gives.

5
Just great to get some return for investing your hard earned cash. Even after they reduced the interest they are still the best for us. Reviewed on: 23rd August 2017
Martin Hunt's avatar
Martin Hunt

no hassle good interest

4
easy to deal with, no problems, good interest rates Reviewed on: 15th August 2017
Wendy Astill's avatar
Wendy Astill

Problems with Online Access

2
Experiencing problems with online banking. Its the second day now that I cannot access this service. Would like to know if this is a server issue or whether its personal accounts being affected. Regards Reviewed on: 11th August 2017
Samuel Mulenga's avatar
Samuel Mulenga

Good online but not enough branches

4
Like so many banks these days there is in my opinion a complete lack of actual branches. Reviewed on: 10th August 2017
Tracey Belcher's avatar
Tracey Belcher

Good interest rates and easy to manage online

4
Whilst the interest rate for this current account has reduced, it is still providing leading market rates compared to most other providers, particularly if you are able to have the £20k maximum limit in the account - as this helps you get the most out it. Customer service in the branch is good, and internet banking is easy to use to manage the account. Reviewed on: 4th July 2017
Anna G's avatar
Anna G

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

Want to see more from Santander?

  • Cash ISA

    from Santander 4.37 from 84 reviews
    Santander

  • Basic current account

    from Santander 4.33 from 337 reviews
    Santander

  • All in One Credit Card

    from Santander 4.29 from 23 reviews
    Santander
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill