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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1250 reviews)

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4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

92% 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

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 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.

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1250)

Dependable but slow

The online banking is feature reach but a bit clunky Reviewed on: 16th March 2023

So easy!

Highly recommend the Santander current account. The online banking website and app are both so easy to use. Great communication via texts for overdrafts etc. absolutely seamless. Reviewed on: 15th March 2023

Good overall service

I’ve used them for years and they have been helpful Reviewed on: 15th March 2023

Safe, secure, efficient

Santander's 123 account remains a good all round current account. It's true that it's interest earning rate is lower than when it started, but the account remains safe to use, secure from fraudsters, and Customer Service remains good. I think that the same can be said for all services and products that Santander provides. Reviewed on: 14th March 2023

Easy Switch, Cashback and High Yield Savings

For me, switching to Santander for their £200 bonus was a no brainer, but once I realized how their features compared with those of my previous Barclays account I knew I'd switch even without the bonus. The process was quick and easy and the team have been great. Reviewed on: 14th March 2023

Simple switch to online banking

Some banks are awful to switch to - naming no names - but Santander were great and their security are really good at giving advice when transferring money. We are happy to bank with them. Reviewed on: 12th March 2023

Worst bank ever, AVOID!

Worst bank ever, do not use their services. Went to a branch to deposit a cheque, they told me to go and do it on the app. Went to the app it does not read my check. Chatted to support they told me to contact customer service. Called customer service they told me I had to go to the branch. AVOID! Reviewed on: 12th March 2023

Reliable and good offers

Been with Santander for a few years. Make a reasonable amounts from the cashback and other offers on the 123 account and credit card. They fraud team is very good (sometimes too good - which can be frustrating - but alwats easy to resolve and I feel confident my money is safe) Reviewed on: 11th March 2023

Reliable

I've been with this bank for a long time (I think since the Leeds closed) and they have been consistently good for the whole time. The interest rates are good and with the current account you can link to lots of other savings and credit accounts. Reviewed on: 11th March 2023

Online Easy

Easy to manage my money through their app Reviewed on: 11th March 2023

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