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Tracey Osbaldstone

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Review of the Santander, 123 Current Account (discontinued):

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Why the 123 Account, from Santander, is definitely one to have.

The 123 account offers 3% interest on credit balances between £3,000 and £20,000, and even though there is a £2 monthly fee, this is more than covered by the cashback that you receive for paying your council tax, utility bills, communication bills (such as Sky, mobile phone contracts or home telephone/broadband contracts) by direct debit. Although the rate is variable, so it could be withdrawn at any time, it does mean that even after tax, this account is paying better than most ISAs out there. Reviewed on: 20th April 2015

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