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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)

began promising, but they keep taking away

signed up to 123 current account because it offered so much for only £2-£3 pcm. they soon upped it to £5 pcm and reduced what benefits that you get. so for more money, i get less discount Reviewed on: 7th February 2017

Rip off

Santander suck you in with a great offer at a reasonable Price then within 6 months put the price up reduce the offer and expect you to be grateful disgusting Reviewed on: 7th February 2017

The only valuable bank account

Even with the recent introduction of a £5 fee this account still offers a reasonable return on savings Reviewed on: 7th February 2017

Was great, now the account fee has gone up though it is not so beneficial.

The Santander 123 account was great to begin with and we got quite a bit of cash back each month. The monthly fee has now gone up though which is quite disappointing. Reviewed on: 6th February 2017

Get paid by your bank

Great banking experience, excellent customer service and earning money. Reviewed on: 6th February 2017

It was great til they changed the 123 Account incentives

I realize good deals can't go on for ever, but the changes to the cashback/rewards on this account have been massive and offputting. Reviewed on: 6th February 2017

Great!

Never had any problems with it! The advisers are always happy to help! Reviewed on: 6th February 2017

Great

Changed to Santander from HSBC, process was easy and received my 123 cashback easily. Reviewed on: 5th February 2017

Excellent interest rates, easy to set up and make payments , cash back on dds

The Santander is industry leading interest rates for their current account 123. However, interest rates aside I think it's the best current account I have ever had. Website is brilliant and so easy to use. I never have any need to contact than as everything is done right first time. This and cash back on direct debits make it a top. Itch account from a trusted supplier Reviewed on: 4th February 2017

Good for some accounts but not all

Now that interest on this account has been cut I am not so sure it is a good account. Reviewed on: 4th February 2017

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