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Santander: 123 current account (discontinued) reviews

View other Santander products
4.10
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
See only 5 star reviews
54%
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

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
Lorna Ridgers's avatar
Lorna Ridgers

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
David Wilson's avatar
David Wilson
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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)

Absolutely Shocking Service

1
Absolutely shocking service at this bank and getting worse. I have tried to make a payment on my account today and immediately had my account blocked which has happened before. I have been on the phone now with Santander for 1 hour 41 mins waiting for an answer and been cut off 3 times. Santander texted me to say they had tried to call me but that is an absolute lie as they haven't. I understand security is an issue but don't block accounts on first attempt, mickey mouse bank that can perhaps deal with children's savings but not a serious bank in any way. If you are going to close accounts you have to be available immediately to unlock or ask questions first before you block. TOTALLY UNACCEPTABLE ! GOING TO OPEN A NEW ACCOUNT NOW AND SUGGEST YOU ALL DO THE SAME. Now 1 hour 46 mins and still no answer !!!!!! Call wait went to 2 hours 5 mins yesterday, got through today after 20 mins and then cutt off again. Reviewed on: 21st February 2022
Gary Mc Donald's avatar
Gary Mc Donald

Reliable bank with good security

5
Always found Santander to be a reliable bank who are easy to deal with and their online access is very good and convenient Reviewed on: 17th February 2022
Marion Payne's avatar
Marion Payne

Awful wait times, but professional helpful employees

3
Awful wait times, but professional helpful employees Reviewed on: 15th February 2022
Liz's avatar
Liz

They are good

5
The are outstanding and they are fantastic, communicate very well Reviewed on: 10th February 2022
Omoniyi Emmanuel's avatar
Omoniyi Emmanuel

Good service

4
I’ve banked with Santander for over 10 years and have always had really good service, the 123 account is a great current account Reviewed on: 4th February 2022
HJGB99's avatar
HJGB99

A Good Bank to be with

3
Customer service is very good whether it be an account query or a problem. Compared with other banks, Santander is one of the best for interest rates, communication and customer service. Reviewed on: 1st February 2022
Denis Bresnahan's avatar
Denis Bresnahan

A good bank

5
had an account with this bank for 15 years, cannot fault them. Reviewed on: 24th January 2022
Glasgowboy's avatar
Glasgowboy

Good service

5
The staff at branch very helpful and mind service Reviewed on: 22nd January 2022
Poodum4@gmail.com 's avatar
[email protected]

Average service

3
Far too few branches around these days and their app doesn’t permit scanning and depositing a cheque. It’s accessible enough, but lagging behind the competition. Difficult to get through to anyone on the phone. Reviewed on: 21st January 2022
Lauren's avatar
Lauren

Great value

5
Fantastic value, earning interest every month on balance as well as cash back on bills on top of cash back from personalised retail offers. What more could you want? Reviewed on: 21st January 2022
MMoffatt's avatar
MMoffatt

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