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Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.10 (1277 reviews)

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4.10

Based on 1,277 reviews, last reviewed 1st Jul 2026

56% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

Complaint procedure Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result and th... Read more Reviewed on: 1st July 2026

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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 (1277)

Unfortunately the company all round has lead to me instigating leaving, rather than this particular product.

It was almost laughable when they sent me a credit card to consolidate my debts with - and gave a credit limit of £500! I wish that was enough to consolidate my debts! Reviewed on: 7th January 2015

Extremely helpful and friendly staff, quick online answers to any questions asked

Santander has always been helpful and polite both instore and on line, if you ask a question online they come back with an answer very quickly, great service, great bank account with cash back Reviewed on: 22nd December 2014

Agree with the other reviews - good all round

Came to say that this current account has been easy to use for me...the other reviews have said it all for me though :-) Reviewed on: 29th October 2014

Good account and switching easier than I thought

I switched to the 1I2I3 account after many many years at another bank. Although this is a paying account, the value is pretty good when you consider the service you get and the cash back - happy I moved over Reviewed on: 23rd October 2014

Best Interest rate return in the market.

I think this is the best current account in the UK at the moment as is providing a 3% return on savings plus giving 1%-3% on my usual bills such as phone to gas/ electric. Quite impressed! Reviewed on: 20th October 2014

Best account out there

I thought about switching for a while, and the 123 account is the one I opted for. Yes, there is a monthly fee, but the benefits this account brings are huge. Well worth it. Reviewed on: 16th October 2014

Generous overdraft for student accounts

I have banked with Santander for just over 2 years now. I took out the 1-2-3 Student Current Account as they offered £1,500 0% overdraft and also £50 for singing up. At the time (2012) this was the best deal around. £50 was paid very quickly and my payments from the student loans company are always on time with no problems. The online account management is easy to navigate and has a good layout. All the features are easy to use. The mobile app is basic and simple to use, ideal for when you are on the move, it contains a good feature where you can send individual transactions via email or to your phone contacts. It is very easy to manage all day to day tasks online. Never had any problems with Santander so have not had the need to contact them. They offered a £1500 overdraft which then raises if you decide to stay in education (i.e. masters). Would recommend the 1-2-3 Student Current Account as they offer good sign up bonuses, from instant cash to 4 year free railcards etc... Only con with this account is that the card they provide cannot be used for all online transactions - such as post office withdrawals etc... Reviewed on: 7th October 2014

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