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Santander 123 Current Account Reviews

Ratings based on 342 reviews Last review 1 week ago

Santander 123 Current Account reviews come from people like you! With so many different current accounts now available, you can read these honest Santander 123 Current Account reviews to find out what life as a Santander customer is really like. And...

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Santander 123 Current Account reviews come from people like you! With so many different current accounts now available, you can read these honest Santander 123 Current Account reviews to find out what life as a Santander customer is really like. And remember, if you are a Santander customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of Santander 123 Current Account reviews. Together, we can make financial services work better for everyone.

5 183
4 96
3 34
2 15
1 14

Our Smart Money People 360° Rating

OK Current Account Rating
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Your 123 Current Account Reviews (342)

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25th May 2017

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...

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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

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7th May 2017

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...

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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 monthly fee is always covered by cashback too.

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3rd May 2017

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...

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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 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!

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13th April 2017

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 ...

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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 if it were to reduce by much more, I think I'd have to look elsewhere.

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3rd April 2017

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,...

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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, online and by telephone.

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