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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)

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

Student bank who saves us students

123 current account allows us students to go into overdraft without having to pay back any interest. It’s nice to know banks have our backs. Plus it comes with a 4 year rail card which is a life saver. Reviewed on: 3rd April 2023

DISAPPOINTED

I used to love being a Santander customer but this bank no longer has any use to me. I can’t get to a bank during banking hours so I pay my cash in the atm. Apparently there’s a limit to the amount of cash that can be paid in & I’ve reached that limit. How ridiculous to only allow a certain amount each year. Reviewed on: 3rd April 2023

Fantastic bank

This is a fantastic bank which comes with mah benefits and is extremely student friendly, offering a free 4 year rail card and an overdraft which is a great help for students. Reviewed on: 3rd April 2023

Easy to use

Efficient and easy to use app. Easy to set up direct debits via the app Reviewed on: 3rd April 2023

Good customer service

Great bank, with great service. I can spend knowing my money is protected Reviewed on: 3rd April 2023

Fabulous Bank

I have held a 123 Current Account with this bank for over 7 years. I use the mobile banking app to track all of my transactions and I have not once in 7 years had any issues accessing my banking information. If you are looking for a really reliable, clear, trustworthy bank then swap to Santander! Reviewed on: 31st March 2023

Really good bank

Very good bank always helpful and friendly never had a problem with mine would highly recommended it Reviewed on: 31st March 2023

Fair

It's an alright bank Just a little difficult in giving credit Reviewed on: 30th March 2023

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