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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.15 (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):

Good money maker

I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 2015

Excellent

I have banked with Santander for many years and never had a problem. They have always been so helpful and informative. I wouldn’t even consider banking anywhere else Reviewed on: 10th February 2019

Always very helpful.

Santander has always been very helpful and willing to help in whatever way they can. Their website etc is also very informative and straightforward. Reviewed on: 9th February 2019

Good bank overall,

they could have brought the higer interest bak though! Reviewed on: 9th February 2019

quick and easy

good product and good interest making it a great current account Reviewed on: 9th February 2019

Approachable, helpful high street banking

Simple processes with approachable and helpful staff when visiting the local branch. Rewards on account are fantastic Reviewed on: 8th February 2019

Amazing

Very good and very supportive for us Reviewed on: 8th February 2019

Decent bank

A decent bank. While opening my account they had technical issues, but had good staff who quickly apologized and sorted it out. Mobile and online banking generally good - but app doesn't work on rooted Android phones. Reviewed on: 8th February 2019

Poor returns from this account

The bank could produce a better product that gives better returns to the customer Reviewed on: 7th February 2019

Worlds apart

Transfering to this account was so simple. I wish I had done years ago. My money was sst in my account just looking at me. Now I earn money every month just by doing all the things I was doing anyway. I cannot rate this product high enough. Reviewed on: 5th February 2019

Branch staff are always really helpful and go the extra mile.

I went into the Chichester branch to set up a new account. The staff were really friendly and explained everything very clearly. The incentive of a free 4 year railcard with the student account, was extremely useful. Reviewed on: 26th January 2019

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