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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.2 (1241 reviews)

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4.16

Based on 1,241 reviews, last reviewed 18th Mar 2025

700% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Whenever I have had an issue they have been quick to... Whenever I have had an issue they have been quick to resolve, make good money back on the of the rewards Reviewed on: 18th March 2025

Latest lowest rating:

2

No longer worth it since benefits slashed No longer worth it since benefits slashed Reviewed on: 4th March 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 (1241)

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

Decent cashback current account

This was the market leader a few years back. The interest levels are creeping back up to a reasonable level and the cashback on utilities payments is decent. Getting there. Reviewed on: 1st March 2023

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 s... 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

I use more than 7 years I am happy with...

I use more than 7 years I am happy with them service Reviewed on: 13th April 2024

The bank is the best in the world.

The bank is the best in the world. Reviewed on: 12th April 2024

Excellent service and products

I have been with Santander through default when they took over my previous bank. However I have stayed as very happy with their systems and also their changing products like savings accounts that are very competitive. Reviewed on: 12th April 2024

Quality service Customer friendly & excellent

Quality service Customer friendly & excellent Reviewed on: 12th April 2024

The cashback on bills is a benefit

The cashback on bills is a benefit Reviewed on: 12th April 2024

Banked here since I was 10 and never had a...

Banked here since I was 10 and never had a problem Reviewed on: 12th April 2024

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