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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.

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1252)

Efficient bank

3
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

Best value

4
Been with Santander for over 20 years as it has been consistently best value for money. Online banking is easy to set up and do. Overdraft limits and decreases sorted online in seconds. Reviewed on: 12th January 2022

The cashback is welcome

4
The cashback we receive is welcome. We have the "lite" version of the account as recommended by Money Saving Expert. The app could maybe be better: it doesn't allow searches and payees are not ordered alphabetically when paying something. Reviewed on: 12th January 2022

not a lot

3
for what you pay the benefits are not really worth it now. Reviewed on: 12th January 2022

Great customer service!

5
I’ve been banking with Santander for a few years now and I find their customer support is impeccable! Any queries they are always quick to resolve and very kind. And I find their app really easy to use. Reviewed on: 9th January 2022

Great if you have utility bills

5
I’ve had a great experience with Santander and I’ve had no issues for the many years I’ve banked with them. To be rewarded with a small percentage of my utility bills is definitely a help that you don’t get from a lot of other current accounts. I would definitely recommend to a bill paying friend. Reviewed on: 6th January 2022

Excellent account

5
Very excellent account with no issues Reviewed on: 5th January 2022

TRULY THE WORST

1
This is the most awful bank in the world period. Dont even go near them. I did an online transfer and they locked out my account and after 5 calls with one hour wait each timie, and two days still dont know when it will be done. It is being reviewed by back office and within their time ranges they say. Cannot say when it will be done. Their security question asks for a recent transactin amount! with your online account locked out Reviewed on: 24th November 2021

excellent value, do not need more

5
honest and reimbursed me for a fraud Reviewed on: 30th September 2021

Terrible service

2
Closed local bank, stopped emails, don’t answer phone, can’t contact, very poor bank Reviewed on: 18th September 2021

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