Smart Money People Logo

Santander: 123 Current Account (discontinued) reviews

4.16
Based on 1,232 reviews, last reviewed 7th Feb 2025
20% decrease 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

I am satisfied with these conditions it is very ok .this revolut account i am very satisfied with this account Reviewed on: 7th February 2025
Adi Satran's avatar
Adi Satran

Latest lowest rating:

1

So hard to set up an account. So hard to set up an account. Couldn’t believe it. I had to wait in a physical bank twice for over an hour. And they kept sending me letters that were... Read more Reviewed on: 28th November 2024
Ralp b's avatar
Ralp b

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Santander 123 Current Account (discontinued) reviews (1232)

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

Benifits need to beat charges

4
If you use it a lot it is one of the best accounts on the market Reviewed on: 20th September 2023

Never had a problem with them

5
Everything is very easy to use. The website looks a bit outdated, but still works well. Never had anything go wrong with them. Reviewed on: 24th January 2023

Great product

5
Easy to use great customer service Reviewed on: 19th January 2023

Gives back in a fair way

4
A bank which gives you something back with its utility cash back. Clear layout on banking screen makes most transactions easy. Reviewed on: 13th January 2023

Money back for Direct Debits: no brainer

5
Getting money back as a percentage of the Direct Debits I pay each month really is a welcome bonus and outweighs the money fee easily. Reviewed on: 11th January 2023

Very positive.

5
I love the cashback and the boost rewards. It's value for money with lots of nice incentives too. Reviewed on: 10th January 2023

Great cashback

4
Cashback on regular bills really helps out at the end of each month Reviewed on: 10th January 2023

Good Concept

4
Whilst the 123 account is a good concept, you really need to be paying utility bills for it to be worth it. The product could be refreshed and revamped to make it more current. Reviewed on: 10th January 2023

A decent bank

4
I have always been with Santander and had no issues with them. I am disappointed their Santander cashback/rewards scheme has been stopped and hope their is more incentive to have an account with them in the future Reviewed on: 10th January 2023

AVOID!

1
I wish I read the reviews before opening my back account on truspilot ... Simply AVOID!!!! (specially if you have disability or special needs) Terrible customer service, useless app and not knowable or skilled workers at the brach. Reviewed on: 19th December 2022

Moving money out is a nightmare

1
Trying to move money online with Santander is an absolute nightmare. the bank refused to move money to another another bank account in my name and then blocked my account. I then have to spend an hour on the phone (75% of which was waiting to speak to somebody) to unblock the account and making the transfer. This has happened so many times that I will move my account elsewhere. Reviewed on: 7th December 2022

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

There's still more to see!

Santander has a range of products available. Check the ratings of each product to find the right one for you. View all products