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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.16 (1265 reviews)

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 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 (1265)

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

Account with excellent cashback

This account gives good interest for a current account and excellent cashback on household bills when paying Direct Debit. It is quite easy to access online and customer services usually very good although at times haven't always come up to standard. Reviewed on: 10th March 2023

Good bank account

Account offers money back and particularly like the online banking app Reviewed on: 10th March 2023

First Class Bank

First class service, including good security to access your account. Great bank alerts re possible scams and how to be aware of them. Inform you of large withdrawals from your account. Special discounts on offers are available each month. Reviewed on: 10th March 2023

Very good Bank

Does the job and Up to date. Info. Has Very Good App. Reviewed on: 9th March 2023

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