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Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.10 (1277 reviews)

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4.10

Based on 1,277 reviews, last reviewed 1st Jul 2026

56% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

Complaint procedure Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result and th... Read more Reviewed on: 1st July 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 (1277)

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

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

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