Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

4.18

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

100% decrease in 5 star reviews

in the past 90 days

No new 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

Read all reviews See your review

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):

Good money maker

I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 2015

Good well run current account.

Good well run current account, now move on to the Edge A/C with good rewards, customer service and value Reviewed on: 2nd April 2025

Whenever I have had an issue they have been quick to...

Whenever I have had an issue they have been quick to resolve, make good money back on the of the rewards Reviewed on: 18th March 2025

No longer worth it since benefits slashed

No longer worth it since benefits slashed Reviewed on: 4th March 2025

Very reliable and banking system

Very reliable and banking system Reviewed on: 3rd March 2025

Reliable and have been using them for years.

Reliable and have been using them for years. Would appreciate more competitive interest rates. Reviewed on: 3rd March 2025

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

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

Bank account
from HSBC 3.65 from 1314 reviews
Standard Current Account
from Ulster Bank 3.44 from 35 reviews
Multi-Currency Debit Card
from iFAST Global Bank 4.80 from 70 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.11 from 17 reviews
Basic current account
from Santander 3.94 from 308 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