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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

200% increase 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

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 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.

Santander 123 Current Account (discontinued) reviews (1252)

Review of the Santander, 123 Current Account (discontinued):

interest earning current account

Santander give a decent rate of return on their current account compared to other banks Reviewed on: 6th 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

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

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