Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.11 (1275 reviews)

View other Santander products

4.11

Based on 1,275 reviews, last reviewed 18th Apr 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

4

Long term Santander Account I have had Santander accounts for over 10 years now and always found them to be of good service. The only downside I have encountered is the telephon... Read more Reviewed on: 18th April 2026

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 2026

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1275)

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

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current account
from Metro Bank 4.83 from 10576 reviews
Premier bank account
from HSBC 3.73 from 87 reviews
Current Account
from Allied Irish Bank - AIB 3.78 from 16 reviews

Want to see more from Santander?

Basic current account
from Santander 4.35 from 332 reviews
Cash ISA
from Santander 4.35 from 81 reviews
Zero Credit Card
from Santander 4.26 from 21 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub