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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.

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1265)

Good interest rates

Think this is the best current account interest rate on the market at the moment. Reviewed on: 9th June 2019

Not So Good Since Interest Rate Reduced

This account was previously quite lucrative but is not so since the interest rate was reduced, as a result of which I shopped around and moved elsewhere. Reviewed on: 8th June 2019

GREAT ACCOUNT

EASY TO USE AND UNDERSTAND. GREAT CUSTOMER SERVICE TOO Reviewed on: 8th June 2019

20 years plus and still happy

I have been with Santander since it was Alliance and Leicester and I have never had any complaints. My only niggle is that all of the local branches near me seem to have closed down. It is fairly easy to bank with them online or via the post office however I recently tried to pay in a cheque and couldn't do it because I didn't have any paying in slips. I assumed that my debit card would be sufficient. Reviewed on: 6th June 2019

Ace!

Good interest and money back on DD's. Excellent! Reviewed on: 3rd June 2019

Best going

Excellent two way communication skills by telephone, online or in branch. All the family now with this company. Reviewed on: 30th April 2019

Quite average

Quite average, not many perks, phone service not great Reviewed on: 22nd April 2019

All good and excellent online banking !

All good and excellent online banking ! I don't think I've ever needed to go into a branch - I can do it all online ! Reviewed on: 19th April 2019

Does an ok job

offers little incentives, purely a savings account Reviewed on: 18th April 2019

123 Santander Current Account Card

This card is ideal as not only does it give you interest over a period of time, the security has been boosted recently with real time texts on activity and has now added more flexibility to the app like transferring cash and things only available on desktop. Reviewed on: 17th April 2019

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