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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 customer service

Needed a new card as details were stolen. But this flagged as fraudulent activity and no money was stolen. Great client protection and a new card was sent straight away Reviewed on: 5th September 2017

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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