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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.2 (1239 reviews)

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4.17

Based on 1,239 reviews, last reviewed 3rd Mar 2025

600% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Very reliable and banking system Very reliable and banking system Reviewed on: 3rd March 2025

Latest lowest rating:

1

So hard to set up an account. So hard to set up an account. Couldn’t believe it. I had to wait in a physical bank twice for over an hour. And they kept sending me letters that were... Read more Reviewed on: 28th November 2024

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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 (1239)

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

Good rewards, but not as high interest as in the past

Good rewards and improved banking app, but not as high interest as in the past. Reviewed on: 8th November 2018

Help from home

Very helpful staff working from home Reviewed on: 11th April 2023

Useful bank

I havr been with them for long time and have no complaint so far. Reviewed on: 11th April 2023

dependable reliable efficient

years of excellent service ccccccc Reviewed on: 11th April 2023

Good - but used to be better

The best thing about Santander 123 is that I get interest on my balance. There's also cashback on some items. It all add up but must be offset against the monthly fee. At the moment this is working form me but it's a close thing. Careful management needed. Reviewed on: 11th April 2023

Cashback value

had this account for some years and has enabled us to stretch funds, due to the value of the cash back received. Reviewed on: 10th April 2023

extra pocket money

each month you earn some Cashback on Direct Debit payments 1/2/3% and some interest 2% on balances up to £20.000 on your credit balance for only £4 monthly fee ( pay at least £500 into your account each month and have at least 2 active Direct Debits) - always added monthly... Reviewed on: 8th April 2023

Easy to use current account until you need to transfer a large amount

Current account is easy to use on website and the app. Only bugbear is the payment size limit and occasional disabling of account access which involves a long wait on the phone to re-enable Reviewed on: 7th April 2023

Great service - but at a distance

I really like the 123 account for the ease of online management and for the good interest rates. My only criticism of Santander as a bank is the lack of branches on the High Street. There is nowhere i can visit to speak to someone face to face. When you need support (for example following a recent bereavement) it is very difficult to manage at a distance. Reviewed on: 6th April 2023

Great bank

Great bank, I use their app almost every day to stay on top of my finances. Their online banking account is easy to use also. Reviewed on: 6th April 2023

Good benefits

I like this current account as it rewards the client with rewards for the most mundane of payments. Reviewed on: 6th April 2023

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