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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1232 reviews)

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4.16

Based on 1,232 reviews, last reviewed 7th Feb 2025

20% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

I am satisfied with these conditions it is very ok .this revolut account i am very satisfied with this account Reviewed on: 7th February 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 (1232)

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

Amazing!

Wanted a bank to switch to with great benefits and that also made the transaction easy and simple and Santander definitely did just that! I wanted to setup and move over my direct debits simply and quickly and with this account I gain benefits for paying bills and shopping. Reviewed on: 24th December 2016

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

Great interest rate

Not only do they pay great rates but you also receive cash back on household bills like Council Tax and utilities. Reviewed on: 6th April 2023

Good bank for direct debit payments

The 123 current account is good to pay direct debits. If some of your suppliers try to take their monthly bill money earlier, wich is most likely, Santander will notify you straight away and you have until 2p.m. to transfer the money in the account to make the payment. Reviewed on: 6th April 2023

Moneyback for simply spending

Had my 1,2, 3 account for few years now. my mortage is with Santander also which means I gain moneyback from this and direct debits. I can see both my mortage and account balance all in one place on the app which means my finances are easily accesible. Reviewed on: 5th April 2023

Santander 123 Lite Current A/C

You pay £2 monthly fee & you need to be a home owner to get the full benefit of cash back on your utility bills. You also get access to their ESAVER a/c that is easy access that currently pays 3.2%. Reviewed on: 5th April 2023

Its alright

It’s a current account… nothing to get excited about. Reviewed on: 5th April 2023

Not much value anymore

It used to be a profitable account year ago, but after a raise in monthly fee and fiddling with cashback rates not anymore Reviewed on: 5th April 2023

Poor treatment

SATANDER customer service destroyed my credit rating over a misunderstanding when closing my account. Numerous calls to customer service and credit control offices left my credit report reeling to this day. All despite having been a customer for 23 years! Never again. Reviewed on: 5th April 2023

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