Smart Money People Logo
Share this page
Link copied

Santander: 123 Current Account (discontinued) 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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

Latest highest rating:

5

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

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
Tina's avatar
Tina
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.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Santander 123 Current Account (discontinued) reviews (1252)

Great Perks!

5
Cashback on Mortgage and other spending. Along with top customer service. Reviewed on: 17th December 2018
peter.mccleery@outlook.com's avatar
[email protected]

Great perks

5
Can't fault this account, get cashback on Mortgage and other things. Top customer service too Reviewed on: 17th December 2018
peter.mccleery@outlook.com's avatar
[email protected]

Top notch

5
Easy to use and excellent cashback on bills with leading interest on top. Reviewed on: 17th December 2018
Mikeseeboy's avatar
Mikeseeboy

Personable bank

5
We don't feel like a number with Santander, their customer service is personable, helpful & friendly, always welcomed with a greeting when entering. The 123 account also gives us cashback on our household bills which is very welcome. Reviewed on: 17th December 2018
Sylvia Daley's avatar
Sylvia Daley

Great service

5
I won't move from them it's a great account Reviewed on: 15th December 2018
Roxanne Simmonds 's avatar
Roxanne Simmonds

Santander is still okay

4
Santander is still a good bank good customer service Reviewed on: 15th December 2018
Danny McGuinness's avatar
Danny McGuinness

Great

5
Opened this account as a student. It has been ideal. Great overdraft without any catches makes life as a student much easier when unexpected finances hit. Reviewed on: 15th December 2018
lewism123's avatar
lewism123

good service

4
friendly and efficient service, no issues since signing up Reviewed on: 12th December 2018
Jennifer's avatar
Jennifer

Great service

5
Great bank, they give you better interest rates with multiple accounts and loyalty which a lot of banks now don’t bother to give you. Reviewed on: 7th December 2018
DWoolley's avatar
DWoolley

Good overall account

4
Good interest rates for a current account and great transference for perks with other services Reviewed on: 6th December 2018
Ed Romeu's avatar
Ed Romeu

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

Want to see more from Santander?

  • Life Insurance

    from Santander 5.00 from 2 reviews
    Santander

  • Choice Current Account

    from Santander 4.13 from 17 reviews
    Santander

  • Saver

    from Santander 3.98 from 54 reviews
    Santander
    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
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill