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Santander: 123 Current Account reviews

4.19
Based on 1,211 reviews, last reviewed 19th May 2024
133% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
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6%

Latest highest rating:

4

Easy to use and interest free 123 current account provides an interest free overdraft which is very useful for when bills or payments come out that may otherwise be difficult to af... Read more Reviewed on: 19th May 2024
Aph's avatar
Aph

Latest lowest rating:

2

Beware of Fees & Hard Credit Checks 1. After opening the account and receiving initial emails, I discovered a surprise £3 monthly fee for the Santander Edge current account. While the in... Read more Reviewed on: 20th April 2024
Mihail Lazarev's avatar
Mihail Lazarev

About the 123 Current Account

The Santander 1|2|3 Current Account is no longer available to new customers.

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Santander 123 Current Account reviews (1211)

Easy to use and interest free

4
123 current account provides an interest free overdraft which is very useful for when bills or payments come out that may otherwise be difficult to afford. The fact the overdraft is interest free makes it easier to pay off than other options and I have had no issues related to the operation/maintenance of this account nor any interactions with customer service. Reviewed on: 19th May 2024
Aph's avatar
Aph

Beware of Fees & Hard Credit Checks

2
1. After opening the account and receiving initial emails, I discovered a surprise £3 monthly fee for the Santander Edge current account. While the information might exist somewhere, it wasn't clear during the application process. 2. Santander performed a hard credit check on my credit history when opening the account, negatively impacting my score. I wasn't informed about this check beforehand. 3. When I visited a branch to close the account, I was directed to call customer service, despite not being registered for telephone banking. While the representative assured me they could close the account without registration, this wasn't the case. I had to wait another week for a letter with a password to finally register for phone banking and complete the closure. Reviewed on: 20th April 2024
Mihail Lazarev's avatar
Mihail Lazarev

Definitely not recommended

1
Internal communications are virtually non existent. Staff are, in the main, very poorly trained in their field of 'expertise' and incompetent. Automated systems are not updated to reflect the customer's current situation. Account closure without providing a reason. High foreign exchange fees. Long wait times to speak to customer service. That said, the Facebook department are very helpful. Reviewed on: 14th April 2024
Rich A's avatar
Rich A

I use more than 7 years I am happy with...

5
I use more than 7 years I am happy with them service Reviewed on: 13th April 2024
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Niroj

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