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Santander: 123 Current Account (discontinued) reviews

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4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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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 (1252)

Still Worth doing even though the interest rate has fallen, money for nothing

We have had a lot of money from interest and cash back on selected direct debits Reviewed on: 12th February 2017

My bank account

The staff at Santander are okay but not the best at solving common problems - it's a bit sad that the customer sometimes is better informed about services than they are! Reviewed on: 12th February 2017

good rate

Still a good rate of interest even after cut. Reviewed on: 12th February 2017

123 go....

Not the good deal it was when first offered. Wish I had stuck with my Zero account Reviewed on: 12th February 2017

One of the Best Current Accounts out There !

I've had my Santander 123 Account for several years now and enjoy the convenience and rewards it offers. As a Select Customer I have my own Relationship Manager at my local branch too, so I don't just feel like a number. I also log onto Online Banking every week to view my credit card spending and statements I particularly trust the 'secure messages' section in the 'Help and Contact Us' tab and when I go overseas I can let Santander know I will be spending abroad so I feel safe and the bank will know where me and my card is ! Reviewed on: 12th February 2017

Straight forward - Never had a problem

I have had the account for some time now and it is still one of the best interest paying current accounts on the market. Online banking is easy and customer services have always been helpful and pleasant Reviewed on: 12th February 2017

Good current account

It's a shame that they've cut the interest rate on this account but it's still the best option out there. Good cash back options as well mean that I'll be staying put with Santander 1-2-3 Reviewed on: 12th February 2017

Cashback for paying bills - Yes Please!

I have just switched from Barclays to Santander 123 account, where I now not only get 1.5% on my savings in the current account BUT also get cashback on any bills that I pay. It was SO easy to set up and Santander did all the transfer of standing orders/direct debits for me. Now I can look forward to receiving interest on both my savings and payments with full flexibility and accessibility of my account. In my opinion this has to be the best account to have - I fully recommend everyone opening a 123 account today Reviewed on: 12th February 2017

Great customer service but lacking in problem solving

Customer service is great in the branches and on the phone. However if there are any problems on your account the staff on the phone can't seem to tell you why. The common answer is that they don't know what is causing the problem they just know that their screen says no. Reviewed on: 12th February 2017

Excellent Bank

Not really had any problems with this bank. Good customer service, friendly and helpful. Brilliant student account with railcard and fee free overdraft. Online services are great, and so is the app. Only problem is when my card expired a couple of months ago they sent me one without contactless, which in itself is a bit annoying considering everyone uses contactless now, but even more so considering I specifically asked for a contactless card when I was setting up my account. This is one tiny mistake however, doesn't outweigh the otherwise brilliant service I've recieved. Reviewed on: 11th February 2017

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