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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):

Outstanding product

I can't rave enough about how clever the 123 current account is. There is a 2 pound monthly fee, but this is more than made up for by the better savings rate on offer and cashback on household bills makes it really clever...cash back on bills is a nice feeling. Reviewed on: 10th June 2015

Easy and Simple

Easy and simple to set and up and use. Good customer service and decent arranged overdraft Reviewed on: 18th January 2022

Complete satisfaction

Having banked with Santander since its previous incarnations as Abbey/Abbey National, I have had one or two problems (not least my wife dying unexpectedly), but these have all been resolved with great efficiency and discretion, both in branch and at higher level. Reviewed on: 18th January 2022

Excellent cashback account

Very good account which pays cashback on household bills. Well worth the £2 fee for the 'lite' account Reviewed on: 18th January 2022

Good Cashback

Easy to use app, good online. Charges have increased though. Reviewed on: 18th January 2022

No fuss account

No fuss account with cash back and intrest Reviewed on: 17th January 2022

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

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