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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)

Does the cashback job well . Good customer service.

Does the job. Good customer service when needed. We have been clever-ish in making sure we maximise the cashback income using all possible indirect debits including our mortgage. Result! Reviewed on: 30th June 2017

Hassle free current account

Was late to Santander, but now would recommend to all family and friends. Reviewed on: 29th June 2017

Great Bank, Great Account

I earn cashback on my direct debits, interest on my balance, and low charges on my overdraft. Santander are great! Reviewed on: 23rd June 2017

no help when needed

The account works fine, although even with the cash back it was not worth it. Basically I got cheaper banking elsewhere and with more benefits. I stuck with Santander until they rejected me for credit, which was strange give my credit score, and my history with them... went into a branch to ask why, and no help was given... the machine had decided. Gave up and went elsewhere, got a credit, and I'm saving money on the current bank account. Reviewed on: 22nd June 2017

Earn money from a bank

This is the best way to actually earn money on your own money. Very impressed with this bank account. Reviewed on: 22nd June 2017

123 Current Account great Perks!

Its great to get the 1/3 off rail card Reviewed on: 12th June 2017

Fab account

Loved the cashback on this site. Disappointed when they increased the charge, but I still get back more than I pay Reviewed on: 12th June 2017

Consumer based

Many benefits for people using it Reviewed on: 12th June 2017

123 CARD ACCOUNT

Cash back on utilities and Santander mortgage accoutn for a nominal fee. I definetly get more cash back than the accoutn fee costs. Very good my offers for money off lots of shops and restaurnets and online retailers too. Reviewed on: 4th June 2017

Good bank account

Good bank account with cashback on lots of eligible bills, only downside is the relatively high overdraft charges Reviewed on: 1st June 2017

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