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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):

Fantastic

Love using the 123 current account, great that you can get cashback on your everyday bills that you would be paying for anyway! Also good if you combine with the 123 credit card, as you can get cashback on your everyday purchases! Reviewed on: 21st April 2016

SECURITY AND WEBSITE

Santander is very much on the ball regarding branch withdrawals and website money transfers. Gives their customers peace of mind during transactions on the website and also whilst withdrawing cash at the local branch. I have also had dealings on the phone and were very helpful. I cannot fault their service or the 123 Current Account. Reviewed on: 12th March 2022

Awful Customer service

In a queue for 40 mins. Customer Service is so poor. Reviewed on: 11th March 2022

Hopeless customer service

Expect it to take up to 30 minutes to finally talk with a person. Meanwhile you have to listen to awful music and a woman who tells you ever 15 seconds how sorry she is Reviewed on: 11th March 2022

Great in branches however over the phone I have had issues

Brilliant bank online and also in branch however when I have been on the phone before I haven’t always had the best of experiences Reviewed on: 10th March 2022

Rubbish

During the pandemic there was no support without effecting your credit, awful wait times to speak with people too Reviewed on: 10th March 2022

Easy to bank with

Santander is the only bank that lets you open an account with a low pay in threshold of £500 this gives most people the ability to open a bank account whereas others need a minimum pay in of £1000+ Reviewed on: 9th March 2022

Best bank provider in the UK

Any customer service help, they provide and resolve all my issues without hassle. Their financial operations is very simple, for example contactless payments etc. Reviewed on: 6th March 2022

Getting impossible waiting times to contact

I have banked with Santander quite happily for several decades from when it used to be Alliance and Leicester, always had good customer service by telephone. I know there is chaos now with the Ukraine war and the past two covid years but really trying to contact them by phone has become so bad in the last few weeks - I have just waited for 46 minutes before giving up - to deal with a transaction I couldn't make yesterday as they wanted me to check payee details - for that conversation I waited 23 minutes. I will have to try again tomorrow., am now dreading it. As other reviewers have said - get more staff! This is unacceptable. If it continues I will be changing my bank. Reviewed on: 6th March 2022

Cashback Account

I love my Santander 123 account because you get cashback each month on services and purchases. I also like that I can monitor the account via the App. Santander are also very efficient at letting you know if any suspicious activity on account. Reviewed on: 3rd March 2022

Nagyon hasznos es jo

Csak ajalani tudom mindenkinek Reviewed on: 3rd March 2022

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