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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)

Good customer service

Good service and accounts for savings Reviewed on: 28th February 2023

Great all round account but few perks

This is a dependable current account which I have used as my main account for a number of years. It is solid and the app is easy to use. It is a shame there are very few perks to the account now - when I first opened it there was an exceptional interest rate on credit balances. Alas that has been gone for a long time. Reviewed on: 27th February 2023

Okay noce

Gooooooooooooooooooooooooooooooooooood Reviewed on: 26th February 2023

Good return on money

Since opening account have made money Reviewed on: 24th February 2023

ease of use

little or no problem doing online banking Reviewed on: 24th February 2023

Monthly benefits of 123 rewards

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

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

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

very good service

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

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

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