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Santander 123 Current Account Reviews

Ratings based on 330 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 remember,...

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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.

5 179
4 90
3 33
2 14
1 14

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Your 123 Current Account Reviews (330)

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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 if it...

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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, online...

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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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31st March 2017

Earning cash back and interest through a current account

Just by paying my bills via direct debits, I earn cash back. Basically by doing what I have always done and not having to put in any extra effort. I earn 1.50% AER on my full balance as it's below £20,000, which is much better than the average 0.33%, and I...

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Just by paying my bills via direct debits, I earn cash back. Basically by doing what I have always done and not having to put in any extra effort. I earn 1.50% AER on my full balance as it's below £20,000, which is much better than the average 0.33%, and I haven't done anything different except switching my current account from Lloyds to Santander. Granted, Santander charge £5 each month however this is nothing compared to the cash back and interest benefits, never mind the difference in customer service! I would recommend this account to anybody, it's easy to switch and I only have good things to say about my experiences with Santander.

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31st March 2017

Use all of the extra rewards

It is very easy to earn a few plus pounds (we are paying mortgage from this account) and also get high interest on your saving in a very flexible way (you can access to your money any time). Plus there are always extra cashback options week after week.

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It is very easy to earn a few plus pounds (we are paying mortgage from this account) and also get high interest on your saving in a very flexible way (you can access to your money any time). Plus there are always extra cashback options week after week.

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18th March 2017

Current account interest

I have been with Santander for a few years now since they started offering their 123 current account. I have earned so much interest over my time with them and continue to even though they recently reduced the interest rate. It also gives cashback for bills...

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I have been with Santander for a few years now since they started offering their 123 current account. I have earned so much interest over my time with them and continue to even though they recently reduced the interest rate. It also gives cashback for bills that you pay by direct debit. Best current account out there for savers with over £3,000.

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