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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

Current account

I’ve had the same current account since I was 12 and I am now in my mid twenties and I would never look to change banks. They have been so helpful and the staff in stores go above and beyond Reviewed on: 8th February 2023

Never had any issues

Staff are always really helpful when I got to the bank, online banking is fab too Reviewed on: 1st February 2023

Great customer service and helpful branch staff.

The online banking works pretty seamlessly but, when I have needed to contact the bank, telephone support is usually very quick and efficient. When I need to go into the local branch, I am always met with a smile and efficient service. Reviewed on: 1st February 2023

Great customer service

Visited local branch to enquire about opening an additional current account. Had originally only intended to ask for some advice but the lady on site offered to help me set it up there and then which I did. All through the process I felt extremely satisfied with the explanation given and left feeling a job well done Reviewed on: 1st February 2023

Interestingly good value.

Great account for building the pot and cashback on your bills. Reviewed on: 1st February 2023

Quick, easy, understandable

A good platform/bank for everyday use Reviewed on: 1st February 2023

Decent cashback

Easy to use app. Website takes longer to log in. Good cashback on bills and I make a small profit each month on this. Reviewed on: 1st February 2023

Great Product

Easy to use, easy to understand, goog interest rate Reviewed on: 1st February 2023

No issues

TBH, we rarely contact Santander as things work. Possibly the app could be improved with a better search facility. Reviewed on: 1st February 2023

Fine

It’s fine but other banks are more attractive Reviewed on: 1st February 2023

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