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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

A Current Account with flair

The account that gives interest, tells you your balance, reminds you of bills ,credits and generally services my needs. Reviewed on: 18th February 2021

An overall winning account

Despite increased charges and lower interest, as Martin Lewis continues to point out, this is still a great account with excellent service and facilities. The online banking app is superb and the new money insights offer, just brilliant. Reviewed on: 17th February 2021

Santander is good bank for me

Santander is a good bank if I need help they help me Reviewed on: 17th February 2021

Very good and efficient credit card

Good all around bank as well as excellent customer service.. Reviewed on: 17th February 2021

Very professional

Never had problems find the staff at my branch very nice people Reviewed on: 17th February 2021

Great Value

We've had a 123 current account for some years now and it's great. No hidden costs, the app is great to use and getting money back on your bills is such a bonus Reviewed on: 17th February 2021

Does the Job

Does what’s required, but customer service can be a nightmare to reach. Reviewed on: 5th February 2021

Awful bank, terrible service

The world’s worst bank is at it again, attacking graduate overdrafts during a deadly pandemic and global recession. Their app is awful, their stores are dirty and ugly, and their staff are untrained or incompetent - and I don’t know which is worse. Reviewed on: 2nd February 2021

good for people who manage money well

This is a great account if you are into getting the most out of your account or have a good income and money to spare. Reviewed on: 20th January 2021

Still the best rewards

Getting worse, but still the best bank for rewards Reviewed on: 18th January 2021

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