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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.

Santander 123 Current Account (discontinued) reviews (1265)

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

Outstanding product

I can't rave enough about how clever the 123 current account is. There is a 2 pound monthly fee, but this is more than made up for by the better savings rate on offer and cashback on household bills makes it really clever...cash back on bills is a nice feeling. Reviewed on: 10th June 2015

Perfect for students

Having the overdraft set at £1500 has been a godsend when rent comes out before student loan comes in Reviewed on: 16th February 2023

Easy to reach customer service, good products

Does what it says on the tin. Maybe not as advanced in terms of features that new banks like Monzo have, but it's a solid bank account you can trust. Reviewed on: 15th February 2023

Great bank

I have a 123 student account and love the benefits it has. The zero interest overdraft is great for emergencies. I was also give a free railcard and I use it so much and have saved a lot. Reviewed on: 14th February 2023

when it's best

very good if the cash back works for you. particularly santander products. not so good anymore otherwise Reviewed on: 13th February 2023

Great bank - very good service

Easy to use banking - usually via there app - very good customer service. Reviewed on: 12th February 2023

Great earnings

Best current account, good interest rates if in credit, plus cashback on utility bills. Reviewed on: 9th February 2023

Great easy site

Good personal backup when the occasional issue occurs Reviewed on: 9th February 2023

Santander 123 Current

App is clear and easy-to-use. App chat generally quick but only deals with basic issues. Reviewed on: 8th February 2023

Everyday Santander User

I use Santander every day as my go to bank and I have for years. I have always been satisfied with them Reviewed on: 8th February 2023

Money back

Nice bit of money back of bills reasonable high street bank rate Reviewed on: 8th February 2023

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