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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)

Santander employee acting like a fraudster

A person recently phoned me, who claimed to be Santander employee and asked me to state my Date of Birth "to pass security". At that point I had no way of knowing, whether this really was a Santander employee calling me, or a fraudster fishing for my personal information. Guess my surprise, when a few weeks later, I learned that this really was a genuine Santander employee !? I complained to Santander about this practice, but they have the audacity to defend their practice, and do not want to change their security policy. This sets a dangerous precedent. If Santander acts in a way, that customers can not distinguish a genuine Santander employee from a fraudster, this is exactly what the fraudsters want, because it helps them to clear out people's bank accounts. Reviewed on: 17th June 2023

Good and simple account

I've had this account for just over 8 years and have had no issues. Reviewed on: 11th June 2023

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

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