Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

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

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1265)

Good around account

Have been with Santander for several years now with their 1-2-3 account and have found it a very competitive current account in terms of interest rates and the additional bonus of having cashback on my utility bills. I have also found their web site easy to navigate and to manage my money. Reviewed on: 26th March 2023

User Friendly App

Easy to conduct all financial transaction with their user friendly baking app Reviewed on: 26th March 2023

Confusing app

Overall good experience but app is not intuitive Reviewed on: 24th March 2023

Monthly benefits of 123 rewards

Having my mortgage with Santander and 123 current as well. I have earnt more than £500 as reward in last few years. Thanks Santander. your services and benefits are beneficial to customers like me. Reviewed on: 22nd March 2023

5 Star

No issues, clear and easy to understand. Reviewed on: 21st March 2023

So far so good

An OK bank, not had any major problems Reviewed on: 21st March 2023

New boosts discount

Terrible it’s to much hassle and time consuming. Reviewed on: 21st March 2023

Good student benefits

They have good benefits when opening the account but their customer service is not as good. When in branch they are helpful but over the phone you can end up being passed around a lot of people. Reviewed on: 20th March 2023

Complicated

The rewards weren't worth the effort expended to earn them but also the criteria for earning the rewards were complicated, and the bank wasn't easy to deal with Reviewed on: 19th March 2023

Good starter account

I have had no problem with Santander and their mobile app is fine Reviewed on: 18th March 2023

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Classic Account
from Bank of Scotland 3.95 from 117 reviews
Accounts
from Nomo 0.00 from 0 reviews
Reward Silver Account
from NatWest 4.62 from 166 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.09 from 18 reviews
Zero Credit Card
from Santander 4.08 from 19 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub