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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, convenient account

Easy to use, customer friendly company and happy to recommend Reviewed on: 1st January 2017

Early morning transactions may be embarrassing!

I have always found the Santander 123 current account online banking to be very user friendly and efficient. The only thing I would criticize is that when I want to pay a new person or bill, Santander sends a pin number to my mobile phone to verify. This is great for security but if, like me, you have very bad mobile phone reception it can be a bit of pain, not to mention embarrassing, walking up and down the street in a dressing gown (if it's an early morning transaction) trying to get a signal. Reviewed on: 1st January 2017

Best on offer if you get cash back and interest.

If you have direct debits for your Utility's and able to afford over £10k in account, you gain cash back plus interest amounting to more than their charges and higher than any other bank/ building society/ISA. Reviewed on: 28th December 2016

santander 123 account

I HAVE BEEN WITH SANTANDER 123 CURRENT ACCOUNT FOR ABOUT 5 YEARS NOW AND HAVE RECENTLY GROWN DISILLUSIONED WITH THEM. THEY HAVE RECENTLY RAISED THE MONTHLY ACCOUNT FEE FROM £2 TO £5 AND HAVE HALVED THE INTEREST RATE ON THE SAVINGS ACCOUNT ATTACHED TO IT.I RECENTLY TRIED TO RE-CLAIM SOME BANK FEE'S FROM THEM AS INSTRUCTED BY THE MARTIN LEWIS WEBSITE,I ENDED UP BEING GIVEN £20 BASICALLY FOR NOT TAKING THINGS ANY FURTHER AS THEY SAID THEY WEREN'T BREAKING ANY RULES. I AM ABOUT TO LEAVE FOR ANOTHER BANK WHICH HAS GOOD CUSTOMER SERVICES,NO FEE ACCOUNT AND LESS CHARGES FOR IF YOU GO OVERDRAWN. Reviewed on: 27th December 2016

Reservations,

The reason leaving my previous bank was over excessive bank charges, Santander are fast going in the same direction, can not complain as after retiring getting finances back into routine is a challenge. Reviewed on: 27th December 2016

Good overall experience

Santander's online banking & their mobile app are brilliant. You can do most things online and for the few things you need to ring up about, the staff are really knowledgeable. Reviewed on: 27th December 2016

Good current account

Good interest rates on current account. Reviewed on: 27th December 2016

Money for nothing!

I have the above account - even though the interest rate has dropped to 1.5% I still get a good deal as I also get cashback on essentials including Council Tax, fuel, water & all phones - mobile and landline. I get a monthly statement through the post too so I can check all is OK. Would certainly recommend. Reviewed on: 24th December 2016

The Best

Santander is an excellent company/banking all facilities meet my requirements overall fantastic. Reviewed on: 24th December 2016

a bit disappointed

Santander recently changed their interest rates on their 1-2-3 account meaning its not just as good an account as before if using it for saving. We have 3 of these accounts as we felt 3% was a great rate with the way things in the banking world were but now they have dropped it to only 1.5% while also charging more for having this account too. Seriously considering changing where our money is. Reviewed on: 24th December 2016

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