Write a review

Santander: 123 Current Account (discontinued) reviews

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

View other Santander products

4.17

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

25% decrease in 5 star reviews

in the past 90 days

100% decrease in 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

Read all reviews See your review

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):

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

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

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Student Bank Account
from HSBC 3.26 from 20 reviews
Current account
from Halifax 4.13 from 939 reviews
Under 16s account
from Monzo 4.95 from 411 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.13 from 17 reviews
Basic current account
from Santander 3.99 from 307 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub