Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

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

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 (1265)

Review of the Santander, 123 Current Account (discontinued):

Stay Well Clear of Santander

The worst bank and customer service on the planet! I have had a lock placed on my account and the reason they gave me was that i have used contactless payment too much. Now considering i have spent the last 3 weeks in Singapore and never use the card as i dont want to pay their extortionate rates. I transfer from the bank to Wise. Now they have blocked it and tell me i have to buy something in Singapore and put my pin number in to release the block. Its the only way i can unblock it! Santander are a joke and i shall be closing the account down because of this. Complete failures! still waiting on the line for the fraud team to unblock this bar and been waiting over an hour so far. i am stuck in Singapore without access to my money. Reviewed on: 9th October 2022

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

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

Personal bank account
from Investec 4.52 from 3 reviews
Bank Account
from Habib Bank Zurich plc 4.71 from 3 reviews
Black Account
from NatWest 4.22 from 231 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Zero Credit Card
from Santander 4.16 from 20 reviews
Choice Current Account
from Santander 4.06 from 18 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