Our Smart Money People 360° Rating
Your 123 Current Account Reviews (342)
Fab account
Loved the cashback on this site. Disappointed when they increased the charge, but I still get back more than I pay
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.
Good bank account
Good bank account with cashback on lots of eligible bills, only downside is the relatively high overdraft charges
Worth the money
Despite the recent drawbacks in benefits and increased cost the account works and pays well. Great online services too.
Flexible and fair
A good home for easy access savings, with the benefit of attached current account.
Interest rates OK - customer service appalling
Not a bad bank for variety of accounts - watch that low interest and high charges don't make it...
Read more Not a bad bank for variety of accounts - watch that low interest and high charges don't make it uneconomical,
Don't expect to feel cared for or appreciated - you are most definitely not
Probably one of the worst (if not THE worst ) for customer service.
such a shame - could have been a brilliant bank
Charges
I have a 123 account and I am continuously charged alot of money in fee's for having an overdraft, as well as account maintenance fee's. The account type does not save me money at all.
Still one of the best rates around
Even with the reduction in the interest rate offered, it's still one of the best available. This account is still good as you get cash back on various things including utilities - free money when you have to pay your bills every month anyway. The...
Read moreEven with the reduction in the interest rate offered, it's still one of the best available. This account is still good as you get cash back on various things including utilities - free money when you have to pay your bills every month anyway. The monthly fee is always covered by cashback too.
Change Is As Good As A Rest
Wish they hadn't changed the T&Cs on this account and upped the monthly fee for the honour of using your own account. If it wasn't for having our mortgage with them, whereby it makes it worth our while to bank the credits that go with this...
Read moreWish they hadn't changed the T&Cs on this account and upped the monthly fee for the honour of using your own account. If it wasn't for having our mortgage with them, whereby it makes it worth our while to bank the credits that go with this arrangement, I think I 'd have started to look around for another deal. Banks have had enough bad press over the years, there's got to be profit in there for them still, without infuriating their customers - AGAIN!
Never had any problems!
Customer service has always been great - never had any problems, great overdraft - only good things to say!
So good I am staying put
These days it is often advised to changed your bank accout to make the most of switching offers. Ive been with Santander for 4 years now and the service i have always received has been exceptional. Im happy where i am thank you very much
Great account, shame about the reduced interest
I love the cashback element of this account, which makes it cover the £5 monthly fee. However, it used to be a great place to store my savings, until the interest rate halved from 3% to 1.5%. This together with the cashback makes it worth the fee, but ...
Read moreI love the cashback element of this account, which makes it cover the £5 monthly fee. However, it used to be a great place to store my savings, until the interest rate halved from 3% to 1.5%. This together with the cashback makes it worth the fee, but if it were to reduce by much more, I think I'd have to look elsewhere.
Best Current Account on the Market
Savings and Cash back. Easy to run the account not demanding requirements. Also you get a list of additional benefits for being a 123 customer. Such as cheaper insurances and higher savings rates. Staff are always brilliant.
Good rate of interest compared to others
Moved current account from bank which I had banked with for 40+ years due to very low interest. Although the interest has halved from 3% it is still competitive
Great customer service
I left Lloyd's after a horrendous experience, and after 2 years with Santander have been really happy
Great Banking Provider
Santander is a great bank that offers customers great benefits for banking with them. I have banked with them for years I don't see me changing ever.
Still competitive
Even though Santander have increased their monthly account fee and reduced the cash back and interest payable on the account, it is still one of the most competitive current accounts out there, with really excellent customer service options in branch,...
Read moreEven though Santander have increased their monthly account fee and reduced the cash back and interest payable on the account, it is still one of the most competitive current accounts out there, with really excellent customer service options in branch, online and by telephone.
Not as good as it was
Better than 0.33% interest if you have enough money in there
