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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1265 reviews)

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4.16

Based on 1,265 reviews, last reviewed 25th Jan 2026

150% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

4

Helpful staff Staff are always helpful but not enough tellers in the one remaining branch in our town, online banking is good Reviewed on: 24th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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About this product

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

Santander 123 Current Account (discontinued) reviews (1265)

Review of the Santander, 123 Current Account (discontinued):

goreat for interest

so good to have a current account that pays interest on your credit balance. It also gives cashback on certain utility bills paid by dd Reviewed on: 31st August 2015

Loved the 123 account why did it go?

Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most months. Surely a bank should try to make you money, not cost you it. Reviewed on: 25th January 2026

Helpful staff

Staff are always helpful but not enough tellers in the one remaining branch in our town, online banking is good Reviewed on: 24th January 2026

Years of happy banking

Been with Santander for years, very few complaints or problems Reviewed on: 23rd January 2026

After 50 years with NatWest we moved to Santander

We moved our accounts to Santander, after more than 50 years banking with NatWest as their customer services had deteriorated so much. Santander is much better and whilst it is a great shame that they have closed their branch near us their on-line and telephone banking service is excellent. Clearly we should have move accounts long ago as customer loyalty clearly does not work both ways. Reviewed on: 23rd January 2026

Santander the worst experience we ever had

I needed scaffolding to paint the exterior of our house. Scaffolders were recommended to us and came round and quoted £2000 with £1000 to be paid upfront and the rest on delivery. We paid the deposit and then the had to delay the scaffolding being erected. This was fine but the company said they would require the rest of the money. So we paid. The date came and went and no scaffolding. The company made what seemed like legitimate excuses until months passed and we started to realise the scaffolding was never going to appear. A friend said we should speak to our bank and they could help. We called the bank and they said yes they could, we had to give them all the details, texts, emails, money etc. which in good faith we did. They then froze the company’s bank account and gave them our names as having requested this. We received a barrage of abuse and felt threatened in our own home. The police could do nothing as unless they break in to your home the fact they have stolen £2000 doesn’t count. The bank did nothing and in the end we requested they unblock their account. The bank did nothing, we lost £2000 and had the worst experience of our lives Reviewed on: 23rd January 2026

Happy.title must be at least 8 words

They are easy to reach,helpful and knowledgable Reviewed on: 23rd January 2026

Easy to use online but why close branches.

Good and easy to use but closed down branch meaning no availability to deposit cheques over counter or speak to a person if you have a problem Reviewed on: 23rd January 2026

Spare £20,000

good account when you have a spare £20,000 Reviewed on: 22nd January 2026

Always there when I need them.

Always there when I need them. fraud team quickly onto issues and good at resolving Reviewed on: 22nd January 2026

They are now increasing the monthly charge from 4 to...

They are now increasing the monthly charge from 4 to 5 pounds Reviewed on: 22nd January 2026

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