Santander 123 Current Account Reviews

Good interest rates and easy to manage online

Whilst the interest rate for this current account has reduced, it is still providing leading market rates compared to most other providers, particularly if you are able to have the £20k maximum limit in the account - as this helps you get the most out ...

Whilst the interest rate for this current account has reduced, it is still providing leading market rates compared to most other providers, particularly if you are able to have the £20k maximum limit in the account - as this helps you get the most out it. Customer service in the branch is good, and internet banking is easy to use to manage the account.

Anna GLevel 1

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Does the cashback job well . Good customer service.

Does the job. Good customer service when needed. We have been clever-ish in making sure we maximise the cashback income using all possible indirect debits including our mortgage. Result!

Justin SmithLevel 1

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Hassle free current account

Was late to Santander, but now would recommend to all family and friends.

Iain BruceLevel 1

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Great Bank, Great Account

I earn cashback on my direct debits, interest on my balance, and low charges on my overdraft. Santander are great!

David AndersonLevel 1

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no help when needed

The account works fine, although even with the cash back it was not worth...

The account works fine, although even with the cash back it was not worth it.
Basically I got cheaper banking elsewhere and with more benefits.
I stuck with Santander until they rejected me for credit, which was strange give my credit score, and my history with them... went into a branch to ask why, and no help was given... the machine had decided.
Gave up and went elsewhere, got a credit, and I'm saving money on the current bank account.

BrunoLevel 1

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Earn money from a bank

This is the best way to actually earn money on your own money. Very impressed with this bank account.

Darren NiceLevel 1

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123 Current Account great Perks!

Its great to get the 1/3 off rail card

Danielle DelaneyLevel 1

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Fab account

Loved the cashback on this site. Disappointed when they increased the charge, but I still get back more than I pay

Liz SwanwickLevel 1

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Consumer based

Many benefits for people using it

Luke CorneyLevel 1

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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.

Kerry DaviesLevel 1

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Good bank account

Good bank account with cashback on lots of eligible bills, only downside is the relatively high overdraft charges

Clinton DouglasLevel 1

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Worth the money

Despite the recent drawbacks in benefits and increased cost the account works and pays well. Great online services too.

Paul FlanaganLevel 1

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Flexible and fair

A good home for easy access savings, with the benefit of attached current account.

AnonymousLevel 1

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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...

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

Shelley Elsden-smithLevel 1

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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.

Kyle ButtleLevel 1

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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...

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.

E MaslinLevel 1

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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...

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!

Alison ThackrayLevel 1

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Never had any problems!

Customer service has always been great - never had any problems, great overdraft - only good things to say!

Sarah FieldingLevel 1

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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

Mark grahamLevel 1

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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 ...

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.

Sarah BoxerLevel 1

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