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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)

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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