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Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.13 (1277 reviews)

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4.13

Based on 1,277 reviews, last reviewed 1st Jul 2026

56% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

Complaint procedure Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result and th... Read more Reviewed on: 1st July 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 current account (discontinued) now

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Santander 123 current account (discontinued) reviews (1277)

Spare £20,000

good account when you have a spare £20,000 Reviewed on: 22nd January 2026

Always there when I need them.

Always there when I need them. fraud team quickly onto issues and good at resolving Reviewed on: 22nd January 2026

They are now increasing the monthly charge from 4 to...

They are now increasing the monthly charge from 4 to 5 pounds Reviewed on: 22nd January 2026

An excellent bank,

An excellent bank, who really looks after their customers. The 123 account is better than most other bank accounts because of the money they pay Reviewed on: 22nd January 2026

I started with 123 current account

I started with 123 current account and now have the EdgeUp current account. With this I get a good rate of interest on my balance, and cash back on certain direct debits, while having instant access to my money. My wife has a similar account, and we are both very pleased to recommend Santander to others!! Reviewed on: 22nd January 2026

Very small interest on saver accounts, no overdraft...

Very small interest on saver accounts, no overdraft guaranteed and in general not much room to grow a savings account. Reviewed on: 22nd January 2026

Santander

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

Good customer service

Easy to understand info, good customer service Reviewed on: 5th September 2025

Current Account.

Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily manage/check my balance online and in the app. The santander app is probably one of my favourite banking apps i have used. its very user friendly and easy to use. The interest rate was good at the time comparing to the rest of the market however it would be great if this was higher. Reviewed on: 15th July 2025

Santander Current Account-

Santander Current Account- i didn’t realise this had been discontinued, i originally had a student account and it was automatically upgraded to a graduate account and given a £2000 overdraft without asking, at the time this was good however now i cannot get out of it. Reviewed on: 14th July 2025

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