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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):

Stay Well Clear of Santander

The worst bank and customer service on the planet! I have had a lock placed on my account and the reason they gave me was that i have used contactless payment too much. Now considering i have spent the last 3 weeks in Singapore and never use the card as i dont want to pay their extortionate rates. I transfer from the bank to Wise. Now they have blocked it and tell me i have to buy something in Singapore and put my pin number in to release the block. Its the only way i can unblock it! Santander are a joke and i shall be closing the account down because of this. Complete failures! still waiting on the line for the fraud team to unblock this bar and been waiting over an hour so far. i am stuck in Singapore without access to my money. Reviewed on: 9th October 2022

Easy banking

Pays me interest and cash back on certain direct debits which is a little bonus. V easy to arrange transfers to other people and I find the banking app easy to use Reviewed on: 17th August 2022

Outstanding Santander Service

Santander set the Benchmark, Purely because of the Customer Services Provided, which is Predominantly Provided with the Outstanding Standard of Customer Care this Organisation seems to Thrive upon. Reviewed on: 13th August 2022

Very happy customer!

I have been banking with Santander for more than 15 years and always been fairly happy with their service. I feel like my money is safe with them and that's what is important. I cannot recall having any issues with them. Reviewed on: 13th August 2022

Great cashback, app is getting better

Getting great value with the 123 cashback. Transactions don't always show straight away, but getting quicker. More features getting added to the app. Reviewed on: 12th August 2022

Safe for banking

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

Efficient fraud detection system Reviewed on: 9th August 2022

Good company

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

Quick reply, helpful

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

Not good interest rates

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

Good service

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

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