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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

Ok for the moment

I've had serious problems with Santander in the past, but currently they seem to be doing better than ever in my personal experience, I've had great customer service from them, their fraud prevention seems great as I've had a couple of attempts of money being taken from my account and they were on the ball and spotted it immediately and put a stop to that money going out of my account, even when it was a tiny amount for the fraudsters to check it's an active account/card. It's great to be earning cashback on my everyday purchases and direct debits. I'm a happy customer for the moment. Reviewed on: 15th September 2019

works for me

with this bank fornso many years never a problem Reviewed on: 13th September 2019

great account simple as 1 2 3

love my account , great service , great offers Reviewed on: 31st August 2019

Money back on bills

Great perk to get cash back on regular spend, great to use as a household bills account Reviewed on: 21st August 2019

A team of friendly and highly competent staff

The desk staff and the consultant all make one feel valued. They are always helpful and very professional in approach Reviewed on: 20th August 2019

Fast efficient service, all advisors very knowledgeable

Over 30 years of good service. Will not change for anything Reviewed on: 30th July 2019

day light robbery

bunch of thiefs. 700£ was missing from my account cancel my complaints. without telling reason. plz before opening account with this shi.. BANK, check all reviews. Reviewed on: 11th July 2019

Santander Account

I would recommend this account as it has allowed me the option of being able to make interest on the money already within the account this has proved very beneficial especially when larger sums of money are held in the account. I would also recommend this account and the bank society as they have always been helpful when every I needed help and I am satisfied with their service and customer satisfaction. Reviewed on: 23rd June 2019

Great current account

I totally trust this account, never a mistake, very clear and understandable website, good rate of interest Reviewed on: 22nd June 2019

Best Account Overall

With that many products around at the moment and after weighing them up, the 123 account from Santander worked best for me and my money. Reviewed on: 10th June 2019

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