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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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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

55%

27%

Latest highest rating:

5

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

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

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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 (1252)

Review of the Santander, 123 Current Account (discontinued):

interest earning current account

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

Never any issues, great service and communication.

Always great customer service and staff go out of their way to help me make the most of my account benefits. Always get regularly informed of any changes or updates on my account. Mobile app and online banking is easy to use. Never had any issues. Reviewed on: 17th January 2022

Rewards account users

Account users receive payments for selected direct debits and interest on their balance in exchange for a monthly fee of £4; our fee is always absorbed by the payments we receive. Reviewed on: 17th January 2022

Santander current account

bank and product is fine as long as you don't need to talk to them on the phone Reviewed on: 17th January 2022

Excellent

Love the way I get a little cashback for paying day to day bills. Reviewed on: 16th January 2022

Disappointing

rewards have gone down and down since I originally took out account Reviewed on: 13th January 2022

Good cashback

The cashback on bills, together with interest, means you earn more from this account than many others. Reviewed on: 13th January 2022

Easy use

App is very easy to use. Sending money feels safe and the app makes sure you always feel comfortable before transferring any money. Reviewed on: 12th January 2022

Not worth the money, operationally adequate though

I used to keep it for interesting cashback offers (such as shop at Coop for 10% cashback), with those paying monthly fee was OK. Now offers are irrelevant, and cashback from utility bills only covers monthly fee and is not worth it Reviewed on: 12th January 2022

Previously good current account

Until they reduced the cash back and raised the fees this was a really good account. Only still with it because they're a really useful bank for me personally, but otherwise I'm sure there are plenty of other options out there. Reviewed on: 12th January 2022

Efficient bank

Having held accounts with Santander for over 10 years, I am yet to experience any of the problems I have with certain other major banks (HSBC). I have always found the app and website efficient and easy to use. On the odd occasion I have dealt with staff, they have always been well-informed and professional. The only downside is that their accounts are not as competitive as they used to be. Reviewed on: 12th January 2022

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