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Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.10 (1277 reviews)

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4.10

Based on 1,277 reviews, last reviewed 1st Jul 2026

56% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

27%

Latest highest rating:

5

Everything Brilliant Interest on my account, cash back on utilities, only £500 a month needs to go in the account. There’s always somebody available on line, in branch or ... Read more Reviewed on: 18th June 2026

Latest lowest rating:

1

Complaint procedure Terrible experience trying to get them to resolve a complaint about a failure of theit system. They have restricted my bank access as a result and th... Read more Reviewed on: 1st July 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 current account (discontinued) now

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Santander 123 current account (discontinued) reviews (1277)

Customer Service

Santander are well attendant when it comes to the consumers needs. Issues such as fraud on my account are dealt with in a quick and efficient manner. Reviewed on: 15th May 2020

no probs

does exactly what it says on the tin with no problems Reviewed on: 3rd May 2020

Best account going!

Opened the account as I moved house; perfect service Reviewed on: 30th April 2020

Great service

I have had this current account for years and would highly recommend Santander. They offer great customer service both in branch and online. They also have a couple of apps which I use regularly and they are both easy to use and provide a huge number of services Reviewed on: 28th April 2020

Great student current account!

Offers a great £1500 overdraft and a free railcard, which is awesome. Get £100 bonus for recommending someone and great credit card related offers. Reviewed on: 27th April 2020

Great rewards

Nice rewards for having a current account Reviewed on: 27th April 2020

Great monthly interest

I've had this for a few years now. Yes the £5 fee is annoying and they dropped the interest rates. But I still get around £15 a month interest for a £5 fee. No brainer! Reviewed on: 27th April 2020

Mortgage Freeze

Freeze your mortgage online, its easy, don't phone they wont answer. Reviewed on: 20th March 2020

Moved All My Money Elsewhere

Used to be a good bank, but then it reduced its 123 account from 3% to 1.5%, and it's going to reduce the rate again later this year to 1%. The fact that Santander must pay Ant & Dec millions to advertise for them irritates me even more. Ditch Ant & Dec - they don't make anyone want to be with a bank - the opposite in fact - very annoying! All the majority of customers are bothered about are interest rates and benefits, not pointless celebrities acting stupid in adverts!!! Reviewed on: 25th February 2020

Friendly and efficient

Staff at my local branch are very friendly and helpful. Any problems I have had have been dealt with very efficiently. Reviewed on: 9th February 2020

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