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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)

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

No hassle and good rewards

Great online and mobile service and never had any problems Reviewed on: 22nd January 2019

Good bank

All good, I like this bank a lot. Reviewed on: 21st January 2019

great choices

This bank employs great staff who actually know what they are talking about, unlike other banks. The 123 account is wonderful with perks for the customer. All in all I would recommend this bank to anyone who is looking to change banks. Reviewed on: 21st January 2019

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

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