Smart Money People Logo

Santander: 123 Current Account (discontinued) reviews

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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

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

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
Tina's avatar
Tina

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

4
Santander give a decent rate of return on their current account compared to other banks Reviewed on: 6th March 2023

Safe for banking

5
Never had a problem with Santander's easy access to accounts Santander really does go the extra yard or should that be metre Easy access to human beings essential in the so-called modern world Reviewed on: 11th August 2022

Hassle free banking

4
Efficient fraud detection system Reviewed on: 9th August 2022

Good company

5
They have good customer service Reviewed on: 4th August 2022

Quick reply, helpful

4
Helpful staff, look after my money, always there to answer my queries Reviewed on: 28th July 2022

Not good interest rates

3
Was disappointed with interest rates Reviewed on: 20th July 2022

Good service

5
Easy to use app and good service Reviewed on: 19th July 2022

Customer Experience

5
Staff always available to up date funds managed and ISA transfers easy to accomplish. Reviewed on: 19th July 2022

Very helpful in all categories

5
THEY CAN'T DO ENOUGH FOR YOU WHEN YOU HAVE A QUIRE AND LOOK AFTER YOU Reviewed on: 19th July 2022

Good rewards

5
Good rewards for those with good credit and maximise your reward by putting all household direct debits and mortgage through the account Reviewed on: 18th July 2022

No banks anywhere near me in big city

1
Tried to withdraw more than £500 from P.O. Needed Santander approval. Went home on phone for an hour waiting for assistance then waited for supervisor then waited while he tried to contact P.O. Couldn't get result. Back to post office who had confirmation but not enough money to give me what I wanted. IT'S MY MONEY!!! Reviewed on: 16th July 2022

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Want to see more from Santander?

  • Life Insurance

    from Santander 5.00 from 2 reviews
    Santander
  • Choice Current Account

    from Santander 4.13 from 17 reviews
    Santander
  • Basic current account

    from Santander 3.98 from 308 reviews
    Santander
    View all products