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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1266 reviews)

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4.16

Based on 1,266 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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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 (1266)

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

No interest last month

Bit annoyed as I didn't get any interest last month as 2 of my direct debits cancelled themslves, leaving me with only one on the account, so lost out. Reviewed on: 18th February 2016

EASY CASHBACK

THIS ACCOUNT GIVES CASHBACK ON UTILITIY BILLS AND SOME SPENDING - UP TO 3 PER CENT. IT'S NOT A LOT BUT FOR BILLS AND SPENDING ALREADY COMMITTED TO ITS NICE TO GET SOMETHING BACK ON TOP OF THE INTEREST. Reviewed on: 6th June 2023

The account that pays

Since opening my 123 account with Santander I have earned over £2,000 through interest and cashback on bills. If I had stayed with my old account I would have earned nothing. Reviewed on: 3rd June 2023

Great current account

This account has so much going for it. Rewards, interest and offers to name a few. Thumbs up from me Reviewed on: 2nd June 2023

Very good but not perfect

Generally speaking my experience with Santander bank has been positive. However, there are one or two niggling inconveniences. For example, when setting up a standing order, if a date for payment coincides with a Bank Holiday, the customer if not forewarned about this and the standing order request is unsuccessful. It is only when the bank is contacted that the problem is explained and the customer needs to go through the whole setting up process again. Reviewed on: 2nd June 2023

Satisfactory account

This account gives rewards for certain direct debits, so if you have as many as possible you can earn more than the monthly fee. Reviewed on: 1st June 2023

Quality account with excellent perks that is easy to use

Great functionality of the app makes it easy to administer. Helpful automated chat function which actually does what you want it to do. Good perks. An excellent account. Reviewed on: 1st June 2023

Supporter of Fossil Fuels

I left Santander, after 20+ years of loyalty, when I discovered they continue to provide banking services to the fossil fuel giants who continue to reap huge profits and devastate the future for our children, by continuing to extract and develop carbon based fuels as opposed to diverting ALL their efforts and amassed wealth into non carbon based energy solutions. The banks and the governments seem to be ingrained in our on-going short terms support of these giants who have made good from the earths resources, but refuse to make good for the future. Reviewed on: 1st June 2023

No issues

We have no issues and this just work. Reviewed on: 31st May 2023

Long Customer

Easy, stress free, reliable. No serious perks but does the job Reviewed on: 31st May 2023

Great opening bonus and cashback.

I moved to Santander because they were offering me a great opening bonus for transferring accounts, plus cashback on my regular payments. When you deduct the cashback from the monthly fee I am always better off with this account. Reviewed on: 31st May 2023

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