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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

Good service

Best banking i have ever used [perfect] Reviewed on: 4th September 2021

Best Buddy

I can always depend on you Santander. Many thanks for the recent overdraft you have provided me. Very helpul and good to have. God Bless! Reviewed on: 31st August 2021

Useless

Moved business account to Santander as branches were easier to get to but now they have shut them all meaning I have to go out my way to pay in a few cheques. Also customer service is woeful ! I shall move business account to someone else and will not use these clowns ever again Reviewed on: 9th August 2021

Very pleased

Happy customer Have been a customer for over 20yrs Reviewed on: 7th August 2021

Efficient easy to use. Good customer service

I’m very happy with this bank . I get interest on direct debits . Easy to use on line. I feel they are safe and secure Reviewed on: 4th August 2021

Worst bank

Staff is useless simple letter cant send by email making only troubles. Every Staff member telling different things worst bank. Reviewed on: 23rd June 2021

Good benefits for mortgage holders

Have only had the 123 account because it is linked to the mortgage but it has been good. It is used infrequently, and mostly for regular bills rather than day to day purchases but the cashback always offsets the account fee at the moment, and occasionally a little more too Reviewed on: 21st June 2021

Grossly Excessive Profiteering from the Estate of my late Mother

I recently retired as a senior lecturer at Nottingham Trent University , teaching mainly about crime and am not easily shocked but an experience my sister and I had with Santander bank has truly shocked me. On the afternoon of 15 June 2021, my sister and went to the Nottingham, Clumber Street branch of Santander Bank. The purpose of our visit was to distribute money from the Estate of our late mother. We were going to transfer money to the accounts of two of our sisters, who are both long term New Zealand residents. Unfortunately, were unable to do so. In light of the Covid situation, which is particularly bad in Nottingham and not wanting to return to the bank, given both my sister are pensioners and in high risk groups, in discussion with the bank worker, we decided the best way forward would be for the bank to issue two cheques that we could then post to New Zealand. The bank worker explained to us the advantages of having the cheques issued in New Zealand Dollars, rather than in Sterling. Two cheques were issued. We entered the Clumber Street branch of Santander Bank. The purpose of our visit was to distribute money from the Estate of our late mother. This complaint relates to two cheques issued by that branch. We were going to transfer money to the accounts of two of our sisters, who are both long term New Zealand residents. Unfortunately, were unable to do so. In light of the Covid situation, which is particularly bad in Nottingham and not wanting to return to the bank, given both my sister are in high risk groups, in discussion with the bank worker, we decided the best way forward would be for the bank to issue two cheques that we could then post to New Zealand. The bank worker explained to us the advantages of having the cheques issued in New Zealand Dollars, rather than in Sterling. Two cheques were issued. Later that day, we told our sisters would be posting them the cheques but one of them said, New Zealand banks are no longer accepting overseas cheques. The following day my sister cancelled the cheques. However, charges of around £3,000 were deducted by the bank. We have complained to the bank about these excessive and hugely unfair charges but have just been called by Emma Cordingley from the Banks, Glasgow, Head Office, telling me, we will not receive a refund. We accept we should pay some charges but certainly not around £3,000. Our mother, who died in terrible circumstances, would be appalled by the behaviour of the bank.. The following day my sister cancelled the cheques. However, charges of around £3,000 were deducted by the bank. We have complained to the bank about these excessive and hugely unfair charges but have just been called by a worker from the Banks, Glasgow, Head Office, telling me, we will not receive a refund. We accept we should pay some charges but certainly not around £3,000. Our mother, who died in terrible circumstances, during the height of Covid outbreak, would be appalled by the behaviour of the bank. A complaint has been made to the Financial Ombudsman Service, with my MP copied in. Reviewed on: 18th June 2021

Santander 123 Current Account

I've had my Santander 123 Current Account for many years now and it still beats its competitors. Although there is a monthly fee as long as you pay your bills by DD and keep max amount in you are quid's in. Reviewed on: 14th June 2021

Good service

Great service from Santander. I am able to manage my money much better with the excellent branch service Reviewed on: 14th June 2021

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Santander: 123 Current Account (discontinued) reviews

200% increase in 5 star reviews

No new 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Santander 123 Current Account (discontinued) reviews (1252)

interest earning current account

Good service

Best Buddy

Useless

Very pleased

Efficient easy to use. Good customer service

Worst bank

Good benefits for mortgage holders

Grossly Excessive Profiteering from the Estate of my late Mother

Santander 123 Current Account

Good service

Do you have a different Santander product?

Want to see more from Santander?

Life Insurance

Choice Current Account

Basic current account

Join Smart Money People

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