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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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4.18

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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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 (1252)

Review of the Santander, 123 Current Account (discontinued):

Paid to bank - just the way I like it.

When we remortgaged we decided to switch bank accounts to the Santander 123 account. We thought that we may get paid a small amount from Santander that would either help with treats or go towards our mortgage interest. The switch was straight forward with Santander doing all of the work. Our direct debits and payments were switched with no issues. Since then Santander have been paying us each month for our direct debits and mortgage payments going through the bank. These things would have had to been paid whether it was a 123 account or not. So the fact we get paid is a massive bonus for us. We have recently been on holiday and due to the current exchange rates didn't want to take cash with us. We used the cash points abroad. Having done some research we realised that we wouldn't be charged for using Santander ATM's in Spain and were able to get a slightly better rate while we were there. It was so easy to do. The cash point even asked us what language we wanted to use. All in all the account does what it is meant to do , no issues or problems, plus we get paid cash each month. Reviewed on: 26th August 2015

One of the Best Account with Santander Winner is San...

One of the Best Account with Santander Winner is Santander 123 Current Account Reviewed on: 24th May 2024

Banked with Santander for 20 years.

Banked with Santander for 20 years. The rewards have been greatly appreciated. Very caring bank Reviewed on: 24th May 2024

Easy to use and interest free

123 current account provides an interest free overdraft which is very useful for when bills or payments come out that may otherwise be difficult to afford. The fact the overdraft is interest free makes it easier to pay off than other options and I have had no issues related to the operation/maintenance of this account nor any interactions with customer service. Reviewed on: 19th May 2024

Beware of Fees & Hard Credit Checks

1. After opening the account and receiving initial emails, I discovered a surprise £3 monthly fee for the Santander Edge current account. While the information might exist somewhere, it wasn't clear during the application process. 2. Santander performed a hard credit check on my credit history when opening the account, negatively impacting my score. I wasn't informed about this check beforehand. 3. When I visited a branch to close the account, I was directed to call customer service, despite not being registered for telephone banking. While the representative assured me they could close the account without registration, this wasn't the case. I had to wait another week for a letter with a password to finally register for phone banking and complete the closure. Reviewed on: 20th April 2024

Definitely not recommended

Internal communications are virtually non existent. Staff are, in the main, very poorly trained in their field of 'expertise' and incompetent. Automated systems are not updated to reflect the customer's current situation. Account closure without providing a reason. High foreign exchange fees. Long wait times to speak to customer service. That said, the Facebook department are very helpful. Reviewed on: 14th April 2024

I use more than 7 years I am happy with...

I use more than 7 years I am happy with them service Reviewed on: 13th April 2024

The bank is the best in the world.

The bank is the best in the world. Reviewed on: 12th April 2024

Excellent service and products

I have been with Santander through default when they took over my previous bank. However I have stayed as very happy with their systems and also their changing products like savings accounts that are very competitive. Reviewed on: 12th April 2024

Quality service Customer friendly & excellent

Quality service Customer friendly & excellent Reviewed on: 12th April 2024

The cashback on bills is a benefit

The cashback on bills is a benefit Reviewed on: 12th April 2024

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