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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1247 reviews)

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4.17

Based on 1,247 reviews, last reviewed 18th Apr 2025

29% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

Goodbye Santander Unable to withdraw my cash when needed. A real lack of proactive help from this bank to keep our business. All accounts now closed. Reviewed on: 4th April 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 (1247)

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

A very good bank account with a very considerate bank.

I'm have had a Sandanter 123 current account for some years now and would line to highly recommend it to others. For every direct debit you sign up to from your account you are rewarded with interest. Santander have a very easy to use calculator on their 123 account site. For direct debits on household expenditure you can earn between 1 and 3 percent, which is added to your account monthly. For account balances of beteern £1000 and £2000 you can earn between 1 and 2%, for balances of between £3,000 and £20,000 you can earn 3%. In my opinion this is a very good deal, with interest rates so low at the moment. There is a charge of £2 per month for this account which is more than offset with all the interest which is available. The interest rates are current as at 1st September, 2015. I would also like to say that I have no affiliation to Santander and this is my honest opinion. Reviewed on: 1st September 2015

Better than the Edge for my circumstances

I went from a current account with no benefits to this one. I would always get around £20-30 back in interest and cashback which always more than covers the fee. The main downside is the the rate of return is less with reduced cashback and higher fees. I have worked it out that based on my spending I am still better off sticking with this account rather than switching to the Edge account Reviewed on: 1st March 2025

Account Support

Fraudulent activity has been brought to my attention by the bank and resolved immediately Reviewed on: 1st March 2025

Helpful Banking

Have banked with them since I was 16, one of the few accounts that only require a minimum of £500 per month being deposited, which makes it accessible to most people. Branch staff are always really helpful. They also have good online and app banking. Reviewed on: 26th February 2025

Good customer service in branch helping with paying...

Good customer service in branch helping with paying in a cheque Reviewed on: 26th February 2025

good range of cashback options and good app

good range of cashback options and good app Reviewed on: 26th February 2025

Excellent account shame it’s ended

Excellent account just a shame it’s not available anymore. Easy to access and good interest on account balance. Online services great new app not so great. Reviewed on: 26th February 2025

Easy to keep track of money using app.

Easy to keep track of money using app. Good customer service at the branch in town. Reviewed on: 26th February 2025

I am satisfied with these conditions

it is very ok .this revolut account i am very satisfied with this account Reviewed on: 7th February 2025

So hard to set up an account.

So hard to set up an account. Couldn’t believe it. I had to wait in a physical bank twice for over an hour. And they kept sending me letters that were asking me to do things I’d done two weeks previous. Such a confusing, long and complex process I just gave up in the end. Reviewed on: 28th November 2024

Santander very good

Brilliant service, call centres excellent Reviewed on: 28th November 2024

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