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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

25% decrease 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

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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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 (1252)

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

interest earning current account

Santander give a decent rate of return on their current account compared to other banks Reviewed on: 6th March 2023

Very good bank account

Nice straight forward current account, easy to setup, very good app, with nice perks like cash back and a generous switch offer Reviewed on: 11th April 2023

Changed

Sadly this company changed from like family style savings to corporate no way of speaking to mangers anymore & treated Reviewed on: 11th April 2023

Great rewards

Great rewards and cash back on spending on everyday bills and interest Reviewed on: 11th April 2023

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

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