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Santander: 123 Current Account (discontinued) reviews

4.17
Based on 1,252 reviews, last reviewed 5th Sep 2025
200% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025
Jos's avatar
Jos

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
Tina's avatar
Tina

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

4
Santander give a decent rate of return on their current account compared to other banks Reviewed on: 6th March 2023

Monthly benefits of 123 rewards

5
Happy with Santander too. Thanks for providing me mortgage in 2017, will be with you for foreseeable future. Reviewed on: 24th February 2023

No problems

4
Been with Santander for years, never had a problem,what more can you ask for from a bank. Reviewed on: 23rd February 2023

fraud prevention great

5
my account was blocked while i was away on holiday to ensure my account is safe Reviewed on: 22nd February 2023

very good service

5
very good bank with very good products. They keep me informed of the innovative products on offer. Reviewed on: 22nd February 2023

Solid, reliable and trustworthy

5
I've banked with Santander for years (back to when it was Alliance and Leicester) and I've never been tempted to switch banks. The 123 account pays for itself in interest and cashback (which cover the account fees). The website and app are easy to use, and telephone support is great when you need it. They have increased interest rates swiftly after Bank of England rate rises, unlike some other banks out there. Oh, and they don't make hidden bank charges when I receive payments from abroad. Reviewed on: 22nd February 2023

Great

5
Banked for years - never any issues Reviewed on: 22nd February 2023

Good bank

5
Good bank with no issues so far, transfer was quick and without issue Reviewed on: 22nd February 2023

Average bank

3
Average bank - struggling to make appointments with any branches due to opening hours Reviewed on: 22nd February 2023

Really helpful

5
My experience with Santander has been fantastic. They have dealt fairly with me for years and usually if I get any issues I can pop into the branch or phone them. They are always friendly and helpful Reviewed on: 21st February 2023

Cash back account

4
Get money back on household bills. We switched to the Lite option which has a smaller fee Reviewed on: 19th February 2023

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