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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.16 (1265 reviews)

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4.16

Based on 1,265 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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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 (1265)

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

Fantastic

Love using the 123 current account, great that you can get cashback on your everyday bills that you would be paying for anyway! Also good if you combine with the 123 credit card, as you can get cashback on your everyday purchases! Reviewed on: 21st April 2016

Best bank!

Been with this bank since I Fiat had a bank when I was 13 so for about 6/7 years now. Only thing I could fault is the savings account-I was putting away £200 a month at 5% until the last month when it dropped down to 2.5% which was very misleading and I only received 2.5% not the 5% which I signed up for. Other than that issue that was all! Reviewed on: 16th January 2020

Great value account

Santander 123 account has helped me to earn interest on my money and cashback on my utility bills. This helps me to save for treats for my family. Reviewed on: 10th January 2020

earn good interest

have learnt 1.5% on uptown £20000 Reviewed on: 10th January 2020

Good for first year

Good interest rates on the first year and cashback is good, especially if you have a Santander mortgage! Reviewed on: 9th January 2020

Great

Great customer service. Had absolutely no problems with the account. Reviewed on: 7th January 2020

123 Lite Account has great benefits

My 123 Lite account has great cashback benefits for only £1 a month and you also get retailer rewards I recently got £40 from SKy Mobile. Reviewed on: 6th January 2020

Easy banking.

A nice, easy bank account that allows you to earn money on your bills. Reviewed on: 4th January 2020

good honest old fashioned

very good service--without being flash Reviewed on: 2nd January 2020

account worth it

make a net gain monthly as reward greater than cost Reviewed on: 31st December 2019

always understanding and friendly

if the line is long. they always reassure everyone and try to deal with everyone as quickly as possible Reviewed on: 30th December 2019

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