Our Smart Money People 360° Rating
Your 123 Current Account Reviews (542)
tip top bank
Always been a Santander member, I think they are a very fair company, good overdraft limits and customer service
Fantastic Provider
Santander have the best current account rates and an amazing cashback system for normal household bills. My account receives a generous income boost each month and now also includes cashback from shopping at specific...
Read more Santander have the best current account rates and an amazing cashback system for normal household bills. My account receives a generous income boost each month and now also includes cashback from shopping at specific retailers.
Their banking app is very user-friendly and straight forward to use, and the customer service/support is brilliant. 100% would recommend Santander to a friend.
Excellent customer service
been with santander about 6 years and have been really impressed with the customer service. Staff are always friendly and knowledgeable. They made a small mistake when first swapping to them which they put right as soon as we mentioned it and gave us...
Read morebeen with santander about 6 years and have been really impressed with the customer service. Staff are always friendly and knowledgeable. They made a small mistake when first swapping to them which they put right as soon as we mentioned it and gave us a small amount of money to say sorry for the inconvenience. What more can you ask for. Very impressed.
Good all rounder
The 123 account is good but not the best on the market. It is easy to set up, plenty of branches in towns to speak to someone in person. They are very honest about whether it is worth paying the fee to get the cash back. Online banking is good quality.
Read moreThe 123 account is good but not the best on the market. It is easy to set up, plenty of branches in towns to speak to someone in person. They are very honest about whether it is worth paying the fee to get the cash back. Online banking is good quality.
Great interest rate
We get a great interest rate on up to £20000, and its always a pleasure to go into branch
Lemon Easy!
My 123 Current Account is simple and easy to use. Santnader have made it clear with regards to my spending and even have an app 'Spendylytics' to help show my use on my 123 current account. It suits all my needs and offers a useful overdraft for...
Read moreMy 123 Current Account is simple and easy to use. Santnader have made it clear with regards to my spending and even have an app 'Spendylytics' to help show my use on my 123 current account. It suits all my needs and offers a useful overdraft for emergencies too. On top of this, they have special offers for discounts on other stores.
Good place to keep you £20k
Good online account with offers got credit card use and 1.5% on £20k. Energy bills cash back as well. Not bad....
Good overall, lacking branches outside of city centres.
Joined in 2014, no issues with products or communications and 123 account is sill just about worth it for me despite interest drops/increased charges. Plenty of branches in city centres (often multiple) but hard to find elsewhere.
Reduced Interest
We used to love our 123 accounts, which gave us a great return on our savings (5%), but unfortunately, since this was reduced (to 1.5%) it's much reduced and our savings are better off elsewhere. Other than that, we really like the account though.
Loyal customer
I was with the Abbey National and when Santander took them over I considered moving my account but I'm glad I didn't as the customer service, both in branch and through customer service centres, has been both professional and friendly. The only...
Read moreI was with the Abbey National and when Santander took them over I considered moving my account but I'm glad I didn't as the customer service, both in branch and through customer service centres, has been both professional and friendly. The only improvement they could make is bringing in rewards for loyal customers rather than short term offers to new customers.
Reliable and reasonable.
I opened a 123 account some time ago.I have always been pleased at how Santander have until recently offered a reasonable rate of interest. I like the regular paper statements.
