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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):

Good money maker

I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 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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