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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):

Very good account with rewards

Very good account with rewards, but you do need to pay in a certain ammount each month, so not necessarily useful if you are retired. Reviewed on: 23rd June 2016

santander 123 current account

I have been a Santander customer for years but the 123 account is great as you get good cashback, especially if you have a mortgage with them too. Reviewed on: 23rd November 2019

Making money for nothing

The 123 account is a brilliant way to make money by just doing your ordinary things like paying bills and shopping. It also pays interest. Reviewed on: 23rd November 2019

Great fuss free banking

Great banking , problem free . Staff are friendly and helpful . One negative is the cost of authorised over draft usage Reviewed on: 22nd November 2019

No problems

They have been very smooth, no issues whatsoever, very friendly and very good customer service Reviewed on: 22nd November 2019

Basic bank account easy access

Not much you can say really, its a basic account but is easily managed with their great online platform. Reviewed on: 22nd November 2019

Great

Love this account - cashback on my mortgage, utilities and other bills. Reviewed on: 22nd November 2019

Always helpful,,,

I changed my bank after spending over 25 years with HSBC (Midlands Bank) and have never looked back, they are always so helpful when I ring. The cashback is very reliable and they check unusual purchases promptly Reviewed on: 22nd November 2019

On The Ball

I recently had an attempt to fraudulently take money from my account. Fortunately it was flagged by Santander as an unusual transaction on my account and I was contacted. The only thing was, I was rung on my mobile and refused to believe that the person on the phone wasn't a fraudster and refused to speak to them I went home and rang them back from my landline. I was able to confirm the transaction wasn't mine. Scary moment but they handled it well and I was pleased. Reviewed on: 22nd November 2019

2000 cashback

I've made just under £2000 in cashback and interest over the years with this account. Love it! Reviewed on: 21st November 2019

good product

competitive product but was more attractive when interest rate was 3% Reviewed on: 21st November 2019

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