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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1247 reviews)

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4.16

Based on 1,247 reviews, last reviewed 18th Apr 2025

1100% 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

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 2025

Latest lowest rating:

1

Goodbye Santander Unable to withdraw my cash when needed. A real lack of proactive help from this bank to keep our business. All accounts now closed. Reviewed on: 4th April 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 (1247)

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

Extra money

I pay 5 pounds and on the commission I get back from paying my bills I double it win win all the way . Reviewed on: 4th January 2019

Worst Customer Service Ever!!!

Jump through various recorded messages then wait in excess of 20 minutes every time to speak with customer service who couldn't resolve my problem. Told to go into Branch. But you cannot ring any branch to make an appointment. Completely useless Bank. Reviewed on: 4th June 2024

I have an account and its good to be fair.

I have an account and its good to be fair. Opening the account was flawless Reviewed on: 3rd June 2024

Supportive and friendly .

Having been with a company that was taken over, was sceptical however,this was worry for nothing, excelling in customer service and products. Reviewed on: 29th May 2024

Great app

I find the app very easy to use and you can do everything on it without having to login online. Reviewed on: 27th May 2024

I have been a customer of Santander for over 20 year...

I have been a customer of Santander for over 20 years and I would not ever go to another bank for my finances. Reviewed on: 24th May 2024

One of the Best Account with Santander Winner is San...

One of the Best Account with Santander Winner is Santander 123 Current Account Reviewed on: 24th May 2024

Banked with Santander for 20 years.

Banked with Santander for 20 years. The rewards have been greatly appreciated. Very caring bank Reviewed on: 24th May 2024

Easy to use and interest free

123 current account provides an interest free overdraft which is very useful for when bills or payments come out that may otherwise be difficult to afford. The fact the overdraft is interest free makes it easier to pay off than other options and I have had no issues related to the operation/maintenance of this account nor any interactions with customer service. Reviewed on: 19th May 2024

Beware of Fees & Hard Credit Checks

1. After opening the account and receiving initial emails, I discovered a surprise £3 monthly fee for the Santander Edge current account. While the information might exist somewhere, it wasn't clear during the application process. 2. Santander performed a hard credit check on my credit history when opening the account, negatively impacting my score. I wasn't informed about this check beforehand. 3. When I visited a branch to close the account, I was directed to call customer service, despite not being registered for telephone banking. While the representative assured me they could close the account without registration, this wasn't the case. I had to wait another week for a letter with a password to finally register for phone banking and complete the closure. Reviewed on: 20th April 2024

Definitely not recommended

Internal communications are virtually non existent. Staff are, in the main, very poorly trained in their field of 'expertise' and incompetent. Automated systems are not updated to reflect the customer's current situation. Account closure without providing a reason. High foreign exchange fees. Long wait times to speak to customer service. That said, the Facebook department are very helpful. Reviewed on: 14th April 2024

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