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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1248 reviews)

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4.16

Based on 1,248 reviews, last reviewed 23rd Jun 2025

50% 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:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1248)

Price Hikes

Santander have just changed its charging policy from £2 per month to £5 per month. They persuaded me onto this bank account but did not inform me that the price would rise in the near future. I am now planning to move accounts Reviewed on: 28th December 2015

Top current account

Generous cashback on various household bills and great rate of interest for a current account. Worth the monthly fee and better than a savings account. Reviewed on: 24th December 2015

Great customer service with the best online banking website

Santander's customer service has consistently been fantastic and have been able to help with a whole range of transactions from paying bills to transferring money. The online banking site is quick and easy to use and gives a good impression for security. Reviewed on: 24th December 2015

Great account

This is a great current account- much better than most of the savings accounts currently on the market. If you are able to put £20K in and receive the 3% interest, plus cashback for certain direct debits, even with the monthly charge it is a good earner. The money is available if you need it and is transferred immediately - no hanging around for a notice period. Have been delighted with it & would happily recommend it. Reviewed on: 24th December 2015

Good rewards and hassle free

This was quick to set up and easy to maintain. It's surprising how quickly the rewards build up on day to day bills and expenses. I am pleased with this account. Reviewed on: 24th December 2015

santander are some of the best bank ive been with

i use it almost every day to buy online and in person and ive never had a problem in it Reviewed on: 24th December 2015

Excellent account with good service

The 123 Santander account is simple to use and outlines monthly interest accrued clearly. The monthly fee will be rising to £5 a month, and so it will only be viable for you if you have >£8-10k. Interest rate is still market-leading. Highly recommend. Reviewed on: 24th December 2015

helpful great account

Going into local branch which has been revamped, lots of new machines to use and make things quicker than queuing up. The staff were very helpful explaining how to use the new machines, great service Reviewed on: 24th December 2015

Great for interest

great account for interest and the extra cashback on certain direct debit payments. Staff always helpful in branch. Shame the monthly fee is increasing Reviewed on: 24th December 2015

123 overall experience

This account and credit card combo is Very Good for a driver as i rack up cashback on petrol and it has a Good interest rate if you hold large sums in your current Account. The Fees are rising But that was to be expected. Reviewed on: 24th December 2015

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