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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):

Very good account with rewards

Very good account with rewards, but you do need to pay in a certain ammount each month, so not necessarily useful if you are retired. Reviewed on: 23rd June 2016

Does the job

This is a simple account. The online app makes everything simple Reviewed on: 1st February 2023

Efficient online/ branch service

Having banked with Santander for over 10 years, I have never encountered any difficulties and have found their online banking, app and staff efficient, professional and easy to use. Not always the most competitive bank, but a lot easier to do business with than certain other high street banks. Reviewed on: 1st February 2023

Easy Experience

Santander only require a minimum deposit of £500 per month to have an account which makes it accessible to most people, they still have many branches on the high street and their staff are always polite and helpful. Both their online and app platforms are easy to use and secure, I have banked with them for over 40 years and never encountered any problems. Reviewed on: 1st February 2023

Easy to use app

Easy to use but poor interest rates. Reviewed on: 25th January 2023

Great account, good service

Service has always been helpful. Never had any problems getting in touch with a staff member over the phone when needed. The app is good. Quite basic, but does the job. My only negative feedback is that the benefits of Select are pretty poor. There’s not much recognition for loyalty, so Select is pretty pointless. Reviewed on: 24th January 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

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