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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):

Useful bank

I havr been with them for long time and have no complaint so far. Reviewed on: 11th April 2023

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

Easy as 123..

Connection is crucial....hands on via text alerts.. informing of various activities including deposits, balance thresholds...clear home page with clear ins and outs and fast payments versatility. Smoothness makes the experience a pleasure. Reviewed on: 17th April 2021

Pretty good if you get enough cashback

As long as you set up all the direct debits etc and use the account the cashback more than pays for the account fee. App is pretty good. Reviewed on: 15th April 2021

Fantastic

Nothing much else to write, the title gives it away. Reviewed on: 13th April 2021

Exceptional quality bank account

It is reassuring knowing that my monet is safe with such a reputable and secure bank - I have been using Santander for years and have not once ran into any problems, and the customer service has always been excellent for any small queries. It simply does the job well, and the interest rate is good. Reviewed on: 8th April 2021

Excellent benefits and 123 cash back

Excellent benefits and 123 cash back Reviewed on: 7th April 2021

Long term customer

I have been a santander customer since they were still Abbey national and I have always been pleased with the service I have received. I worked for them before the transfer too. I have had several different accounts and products with them and have always been treated very well. Easy to use website and app which has recently given new features to monitor the type of spending which I have made over the month, which is a good feature. Reviewed on: 31st March 2021

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