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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.17 (1275 reviews)

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4.17

Based on 1,275 reviews, last reviewed 18th Apr 2026

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

4

Long term Santander Account I have had Santander accounts for over 10 years now and always found them to be of good service. The only downside I have encountered is the telephon... Read more Reviewed on: 18th April 2026

Latest lowest rating:

2

PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWI... PROBLEM AFTER PROBLEM SO HAVE TRANSFERED TO NAYIONWIDE AND NOW RECEIVE A MUCH MORE CUSTOMER FOCUSED BANK Reviewed on: 25th March 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 (1275)

Now rubbish

Got an account when paying a decent interest on money now upped the fees and down the interest , so moved to another bank. Reviewed on: 3rd February 2020

Bait and switch

Lures you in with a flashy reward scheme and a high interest rate, and then have progressively "amended" their terms and conditions to reduce the interest rate, remove rewards, cap benefits and overall make the account totally pointless. As of today the account has a £5 monthly fee, and the total 1|2|3 benefits are now capped at £5!! So what's the point? Shameful... Reviewed on: 1st February 2020

Refused a credit card had to get elsewhere

Won’t stay here faceless !! No one listened to my issue Reviewed on: 31st January 2020

Great app

I have been with Santander since Alliance and Leicester days. Very happy so far. Reviewed on: 31st January 2020

Once was great

The 123 account used to be great if you had money to save. However, from next month they're reducing their interest rate further to 1% and capping the cashback you can get. With an account fee of £5 a month, I'm not really sure it's really that great anymore. Reviewed on: 29th January 2020

Always Helpful

Never oversell, never over promise and I like their adverts! Reviewed on: 29th January 2020

Great

Good cash back and interest and customer service Reviewed on: 28th January 2020

Excellent Bank

Never has a problem, cashback on current account balance is excellent. Reviewed on: 28th January 2020

Debt handling

The Mobile app and web version shows me the pending transactions due from my bank account. I am finding this really helpful in getting myself out of the debt. And more so avoiding bank charges that I may aquire. So I can raise funds to stop the charges commencing into my debts. 10/10 for there services for me, struggling like many others in getting out of the dreaded debt which most of us are in. Reviewed on: 28th January 2020

Excellent rewards and fantastic customer service.

Good cash back scheme to earn a little money back. Customer service is spot on, always very helpful. I would definitely recommend Santander to everyone. Reviewed on: 28th January 2020

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