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Santander: 123 Current Account (discontinued) reviews

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

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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

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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 (1252)

Complicated finance made simplistic

I’ve been a customer of Santander’s for around 5 years now and not once have a had a single complaint. As a student, their arranged overdraft has helped me out of a pinch or two when payments were late or when an unexpected bill needed to be paid. Customer service is second to none with Santander. Any suspected breach is met with an immediate locking of your account and a phone call to you or anyone listed as close family to alert you of this suspected breach. I would recommend anyone use Santander as they have great account benefits, excellent customer support and offers that aren’t available at other banks. Reviewed on: 6th January 2019

Great account - shame about the interest

I really like my 123 account and credit card. The cash back and interest I earn each month more than pays for the account charge. It’s a shame however, that the interest rate was reduced from 3% to 1.5%, however, this obviously reflects the overall market, and is more generous than most providers. Reviewed on: 5th January 2019

Decent money back

Pretty good account if you have a fair amount of money in your current account, Intrest (Beleive its 1.5%) on all balance up to 20k. The account has a £5 a month fee which is usually covered by the cash back from paying bills and direct debits. Reviewed on: 5th January 2019

Best Current Account

Best account if you have savings Reviewed on: 5th January 2019

Extra money

I pay 5 pounds and on the commission I get back from paying my bills I double it win win all the way . Reviewed on: 4th January 2019

Great Bank account that does what it says on the tin

Great bank with an excellent online app that is easy and efficient. Reviewed on: 4th January 2019

great product

easy to access app. good rewards great customer service! Reviewed on: 2nd January 2019

A good value account

Santander provide good value banking and helpful service. Reviewed on: 2nd January 2019

Helpful Banking

I have found this account great for everyday banking, a debit card for everyday use, paying all my bills by direct debit, whilst earning cashback on the payments, small amounts, but all a saving, and peace of mind that all the bills are paid. Reviewed on: 2nd January 2019

Great current account interest rate

Santander 123 has consistently had a better interest rate with no risk and no locked in commitment compared to its competitors even though it has reduces its interest rate and increased its fee it is still in my opinion the most lucrative current account. Reviewed on: 1st January 2019

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