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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1247 reviews)

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4.17

Based on 1,247 reviews, last reviewed 18th Apr 2025

29% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

Goodbye Santander Unable to withdraw my cash when needed. A real lack of proactive help from this bank to keep our business. All accounts now closed. Reviewed on: 4th April 2025

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About this product

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

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1247)

Easy to use, interest rate dropped

Recently switched from Barclays. All my direct debits and standing orders were moved with no issues. Online access is quite easy too. Shame the interest rates dropped so much. Reviewed on: 24th January 2017

Online Banking

The easiest online Banking ever to use! I have been with this bank from when it was the Alliance & Leicester, as I used to work for their Head Office Marketing Dept in Hove, East Sussex. And the Branch staff are always friendly and helpful. Great bank would never change. Reviewed on: 18th January 2017

Deal breaker

The 123 was a deal breaker till they dropped the rates, however it is still overall better than most other Banks. Very easy to deal with in Bank and also online, happy with how things have went from switching to day to day running. Also very good at keeping you up to date about changes and quick to ask if you want a review of your finances Reviewed on: 18th January 2017

Perfect for Students and Saving!

I opened a student 123 current account with Santander and have been very impressed and at ease. When I first opened the account I struggled with starting up my online banking account as my letters were sent in the wrong order in the post but Santander were helpful and made sure my account was safely set up and even reimbursed me £60 for the time spent on the phone and the inconvenience! As well as having fantastic interest rates, I received a free 4 year railcard when I opened the account that gives me a discount on train fares. As a university student, this has by far been the best choice of bank account. Reviewed on: 18th January 2017

Increase monthly fee with little customer benfefit

I've been an Alliance & leicester & then Santander customer for many years. However recently I've experienced poor customer service and benefits for an increasing monthly fee with little benefit and even reduction in interest on accounts. Reviewed on: 17th January 2017

Still the best bank account around

I switched to Santander 2 years ago and have been glad I did, until recently I was receiving £60 a month in interest. Even with recent cuts Santander is still the best deal. I have found their customer service online and in branch fantastic. Reviewed on: 15th January 2017

Still a good account

The £5 monthly charge is apinful but the cahback from DD still more than covers it. Reviewed on: 14th January 2017

A GREAT SERVICE FROM MY LOCAL BRANCH

WE JOINED THE SANTANDER 123 ACCOUNT TWO YEARS AGO AND HAVE BEEN VERY HAPPY WITH THE ACCOUNT. THE CASHBACK WE EARN IS GREAT BUT IT IS THE PERSONAL SERVICE WE NOW GET FROM THE STAFF IN OUR LOCAL BRANCH. Reviewed on: 10th January 2017

Dealing with my stupidity

Being as forgetful as I am, it has been suprising that santander still refer to me as a good customer. The number of times I have forgotten one of my passwords and have had to call them up for a reset is beyond belief. I've lost count of the number times it has happened but they are always understanding and very helpful. Just a shame they have no work around for my forgetful nature. Reviewed on: 4th January 2017

Still A Good Choice

Santander is still a good choice for a current account despite recent reductions in returns, it's still better than its rivals. Customer service has improved greatly in recent months. Reviewed on: 4th January 2017

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