Write a review

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

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

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 (1250)

Great value 123 Account

The interest paid on a current balance up to £20000 is regularly updated. Recent increases in the bank rate have been passed on to account holders with admirable speed. Reviewed on: 11th March 2023

Excellent bank account with benefits

I have had my Santander 123 account many years, in fact since it started. It is a great bank account you can access via app or mobile, laptop or desktop. The benefits are that each month Santander pay you a percentage for having your mortgage direct debit with them also council tax, utilities and phone. As long as you have monthly direct set up and have your wages paid directly into account. If that is not good enough you also receive interest on your balance up to £20000. It only costs £3 a month and i have made hundreds of pounds back over the years. Santander the bank that gives you something back. Reviewed on: 10th March 2023

A useful account

This account is good if you set up the direct debits that earn cashback. The money earned can easily exceed the fee. Reviewed on: 10th March 2023

Good service

Very good customer service. Also very helpful staff Reviewed on: 10th March 2023

Bill payment cashback is good

Bill payment cashback is good, payment limits are quite generous. Reviewed on: 10th March 2023

Excellent customer service

I switched to Santander 5 years ago and have been very impressed with their efficient and professional customer service. My local branch manager was very helpful when I was disputing a spurious charge which the retailer refused to refund. The internet banking app is very intuitive and I am extremely happy as a Santander customer. Reviewed on: 10th March 2023

Great rewards

123 account is great as it rewards you for using the account Reviewed on: 10th March 2023

Great online access to this account

Great secure online access to the 123 account. Easy access and ability to move money around. Reviewed on: 10th March 2023

Simply the best

Great website, secure but easy to use and the account pays interest. Reviewed on: 10th March 2023

Poor online management & limited app functionality

I transferred from Barclays last year, tempted by their cashback offer but wish I hadn't! Logins are over fussy, app has very limited capacity compared to Barclays and there's no direct access from the app to customer services. Ironically I also have a Spanish Santander account and that's much more efficient! Will be looking to move to another bank as soon as it is feasible for me to do so. Reviewed on: 10th 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

ufirstgold Account
from Ulster Bank 4.27 from 5 reviews
Student Current Account
from RBS 4.08 from 13 reviews
Personal bank account
from Investec 5.00 from 1 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.16 from 17 reviews
Saver
from Santander 4.01 from 54 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