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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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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 (1252)

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

interest earning current account

Santander give a decent rate of return on their current account compared to other banks Reviewed on: 6th March 2023

Never had a problem with them

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 The website looks a bit outdated, but still works well.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

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

Gives back in a fair way

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

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.

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

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

Good Concept

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

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!

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

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

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