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Santander: 123 Current Account (discontinued) reviews

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

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4.15

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

600% 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):

Outstanding product

I can't rave enough about how clever the 123 current account is. There is a 2 pound monthly fee, but this is more than made up for by the better savings rate on offer and cashback on household bills makes it really clever...cash back on bills is a nice feeling. Reviewed on: 10th June 2015

Great service

Great service and very customer focused Reviewed on: 11th December 2019

123 current account is very useful and the cashback options are great

I saved on average and the customer service is always helpful. Reviewed on: 11th December 2019

Great rewards account

I love the rewards with this account, it adds up quicker than you think and the staff at the local branch couldn't be more helpful. Reviewed on: 8th December 2019

Good security

Always block card from being in use if they suspect an suspicious behaviour Reviewed on: 3rd December 2019

Excellent!

Brilliant and really reliable product! Reviewed on: 30th November 2019

Brilliant bank

Started with a student account, moved to a graduate account and now on the 123 current account. The student account was brilliant for me and they made the transition to working life a lot easier with the graduate account. Only bit of criticism I could give is that when trying to pay my credit card on the app it is a little difficult and I need to go on an internet browser instead. Reviewed on: 25th November 2019

Interest cut

This was a great account until the interest rate was slashed - now only mediocre Reviewed on: 24th November 2019

Really good

We have had this account for many years, it works for us, it's not many banks that give you cash back on all your Bills, we get about 19.00 interest a month and don't really notice the Fee. Reviewed on: 24th November 2019

123 account

I like the account that I have got Reviewed on: 23rd November 2019

Fantastic account

I’ve had this account over 3 years now Fantastic rates and cash back Reviewed on: 23rd November 2019

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