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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):

Good money maker

I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 2015

When I need it

I love the current account as it has and overdraft facility that allows me as an apprentice, pay bills and get food as I live on my own. Reviewed on: 14th March 2021

Lovely

Great service I get from online banking and through telephone . Reviewed on: 10th March 2021

Careful staff and attentive to details

The staff at branch is careful with details and make sure every step is done properly. I could imagine if the same process is done in other banks, the staff will just say ok to everything but ends up messing the whole process and requires me to go back to handle it again. Reviewed on: 10th March 2021

Thieves

£1400 was paid into my account by direct bank transfer yesterday morning. It is cleared when it arrives but Santander have decided to hang onto it. It is not showing as cleared and I cannot access MY money. I cannot pay important bills, including the food bill for my special needs son. I have phoned, emailed, used their facebook page but all the response I get is that it is being looked into. I don't want it looked into. I want my money. I am so glad I didn't switch my main account to these charlatans. Reviewed on: 2nd March 2021

Santander cannot be faulted

I have had two 123 accounts for many years and have never had a problem. I can't fault them in any way, whether face to face, over the phone or online. Interest rates good too. Reviewed on: 26th February 2021

Never a problem with Santander over many years

Online banking is fine. If a problem, staff resolve over the phone. Though I rarely have a problem as such, more a query. Reviewed on: 26th February 2021

Good current account

Good all round current account, however interest rate dropping to zero is disappointing Reviewed on: 26th February 2021

OK. Hard to deal with

Fees are crazy and the app could be a lot better. Will move my money elsewhere when I can Reviewed on: 24th February 2021

Good

Много благодаря за всичко . Бързи сте в всичко Reviewed on: 24th February 2021

Easy to use platform

Good cashback and an easy to use app. Reviewed on: 22nd February 2021

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