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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1265 reviews)

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4.16

Based on 1,265 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 (1265)

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

Fantastic

Love using the 123 current account, great that you can get cashback on your everyday bills that you would be paying for anyway! Also good if you combine with the 123 credit card, as you can get cashback on your everyday purchases! Reviewed on: 21st April 2016

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

Free money

Great return on savings in a current account Reviewed on: 4th April 2023

Happy with this current account

Main current account with good cashback offers Reviewed on: 4th April 2023

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