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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)

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

Good experience with Santander

I love this account. Online banking is super easy to use and the student and graduate accounts have been so useful with their interest free overdrafts. Would definitely recommend this account to recent graduates Reviewed on: 21st November 2019

Save while you pay

Great cash back incentives to pay household bills via direct debit Reviewed on: 21st November 2019

Great account

Ive had the 123 current account for about 5 years now and cant fault it. It gives a good rate of interest every month Reviewed on: 20th November 2019

Excellent current and savings

High security, good overall banking recesses and great rate of interest for a current account Reviewed on: 20th November 2019

Deserted my local high street(Penarth)

Had a very good local branch which I used a lot which was closed and I was told to go the next town! As a result I have started moving money away from Santander to providers with branches in Penarth Reviewed on: 12th November 2019

123 Account

Cashback on bills and interest on up to £20,000 easy to manage online. Reviewed on: 5th November 2019

123 Account for Me

This is one of the few bank accounts that don’t require a minimum pay in of over £1,000 needed to open it, making it accessible to those in lower paid occupations. For the monthly fee of £5 you get interest on your balance and cash back on direct debits to utility companies. They also have an offers page where you can earn cash back on certain retailers and popular eating out brands, by choosing the offers you want and using your debit card at them. All in all a good account with rewarding features. Reviewed on: 5th November 2019

Great cash back

When we pay out a fair amount of our income on household bills, it's rewarding to know that we'll get a bit back as cash back from our 123 account with Santander. They are such an understanding & helpful bank to be with. Reviewed on: 5th November 2019

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