Write a review

Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

View other Santander products

4.17

Based on 1,252 reviews, last reviewed 5th Sep 2025

40% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1252)

Incompetent morons

Incompetent morons. I have had the same phone number for 22 years. It has been registered for Internet banking for about the same amount of time. I can see it on my Internet banking page right now in the Personal Details section. Santander, however, maintain that they have a different number for me for the purposes of making on-line payments (OTP code). As I do not know what that number is, they refuse to help me. They entered some random number on their system and want me to guess it! Reviewed on: 18th January 2019

Great account glad I made the Switch

Fab current account glad I switched, great bank with excellent customer service and turnaround time is amazing to. Reviewed on: 14th January 2019

123 Account

I opened the account approx 5 years ago, purely for the interest rate at the time. That has been drastically cut, but it still pays out a healthy amount of cashback per month so for that reason alone it stands out amongst other current accounts, and I have to do nothing. Reviewed on: 13th January 2019

Quite Good but Interest Rates Have Dropped

I have a 123 account which pays a reasonable amount of interests on the full balance; though I remember the days when you received no interests on the balance in your current account. Online banking is easy to use via the Santander app but service in the branches can be a bit dismal; even on quiet days they only have one cashier available. I tend to avoid using the branches if at all possible for this reason. Reviewed on: 13th January 2019

123

Good benefits and great customer service Reviewed on: 13th January 2019

Interest

Pays the best interest on a current account up to £20000 invested Reviewed on: 13th January 2019

Can't complain

No issues and does at least pay interest Reviewed on: 13th January 2019

Money for notbinf

Since being with Santander 123 current account I have earned over £500 for using my account as I normally would Reviewed on: 13th January 2019

Good account

Nice to get a little back as you can set it up to get cash back on your council rates, gas , water and electricity which amount to more than the charges for the account Reviewed on: 13th January 2019

CURRENT ACCOUNT THAT PAYS

PAYS YOU TO BANK WITH THEM - WIN WIN! Reviewed on: 13th January 2019

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current account
from Zopa 5.00 from 1 reviews
Student Account
from permanent tsb 0.00 from 0 reviews
Silver Account
from TSB 2.71 from 3 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.13 from 17 reviews
Saver
from Santander 3.98 from 54 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub