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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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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 (1248)

Great cash back offers

I enjoy the cash back offers that the 123 accounts offers. A great online banking app makes this account great to use. Reviewed on: 22nd November 2015

Great rates, great service

My current account makes me more in interest than my savings account, and the customer service I have had is fantastic. Speedy and helpful (unlike many other experiences with other banks). Plus their online banking is simple and useful Reviewed on: 22nd November 2015

Expert advice and service

I got to be honest if there is any problems no matter what it is they sort it out asap right there and then and if they can't they phone personally to let you know what's happening, cash back is awesome and so are there other products. Reviewed on: 21st November 2015

Great if you like looking at your money, and safer than keeping it in a box under the bed.

Recently retired, I have a few thousand pounds from my lump sum left. I get better interest in my 123 current account than I could get anywhere else, and I do enjoy just looking at it every time I check online! I can easily check back to see if I'm saving or spending compared to the same day last month. Responses to online questions are prompt and helpful. It would be even better with a tool to categorise my spending and income though, so I could see where my money goes each month, and compare to other months. Reviewed on: 21st November 2015

Good cashback for household bills

I love that we can get cashback for our usual household bills. It does make a difference! Reviewed on: 21st November 2015

Good account with good benefits

The 123 account has been a stand-out product for a long time since 2008. The benefits have been valuable and consistent though the increased charge to £5 erodes some of that. Would happily recommend to those with large current account balances or reasons to keep £20k in cash. Reviewed on: 20th November 2015

Fantastic bank account

Fantastic bank account which rewards you with cash back for paying your everyday bills by direct debit.If like myself you pay everything including all mobile phone bills by direct debit the cash back is quite a welcome monthly bonus Reviewed on: 7th November 2015

Still a good account

Still a great current account but the fee increase is making me think again. Reviewed on: 8th October 2015

Outrageous hike

Despite a stunning and outrageous price hike I'm awarding santanders 123 account a 3 star rating as in all fairness it is a good account. That said, I'm disappointed that the hike hasn't been accompanied by more benefits. Reviewed on: 24th September 2015

Thinking of switching

I only switched to the 123 account a few months due to all the good stuff I was hearing about it. I was a bit shocked to hear that the monthly fee is going to be increased to 5 pounds a month. Spending £60 a year on this account means that IT doesn't really work for me. Looking for better options. Reviewed on: 16th September 2015

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