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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1248 reviews)

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4.16

Based on 1,248 reviews, last reviewed 23rd Jun 2025

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 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

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1248)

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

Never had any issues

I like Santander, never banked with anyone else, but have never had any issues Reviewed on: 5th April 2023

Sounds good

I like sounds good thanks anyway Reviewed on: 5th April 2023

Bank switch failed...

I completed the switch with the hope of getting the £200 incentive to join Santander. The switch failed for some reason which I wasn't informed about, and as a result not only didn't qualify for the incentive, but was also charged fees by my old bank account. Customer service via chat are useless. Reviewed on: 4th April 2023

Does the lot

Great customer service, great product, great work everyone Reviewed on: 4th April 2023

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