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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)

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

123 Lite Account for cashback on monthly bills

Joint account with cashback and easy to navigate website. Cashback on Council Tax, Telecommunications and Utilities easily outweighs the £1 a month fee. I changed from the main 123 account due to charges Reviewed on: 27th January 2020

Easy to use and love the app

Easy current account with good money back and interest . Find the app fabulous especially as I have a savings acct and credit card with Santander so easy to move money Reviewed on: 27th January 2020

you get less than you used to

they're cutting the interest on the account AGAIN and still have to pay £5 per month. No longer value for money Reviewed on: 26th January 2020

Service

Great bank with excellent local service and highly reliable Reviewed on: 24th January 2020

Useless

Very hard to transfer money need my mobile number that wouldn't let me update so finally closed account. Reviewed on: 24th January 2020

People in branches are great, but product is getting less good over time....

The 123 current account was brilliant when it first started. 3% interest and no annual fee, then it went to £5 a month fee and 1.5% interest, and just recently they have announced they are cutting the interest AGAIN, to just 1%. The product now has very little to recommend it over other current accounts. I am cancelling my 123 credit card as since the fee for that was introduced, my interest isn't covering it. It's a shame as there is a branch near me and the staff are brilliant, but the products are suffering. Reviewed on: 21st January 2020

Secure and easy to use account

Easy to use on the website or the mobile app. Branch in my local town always good to have. Account pays interest on current balance but this is reducing in a few months. Cashback for some direct debits. Reviewed on: 21st January 2020

Rubbish bank

Closed account without any reason very poor bank don't use Reviewed on: 19th January 2020

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