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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)

Cashback

Great account, we’ve earned quite a bit of cashback by just having direct debits set up. Reviewed on: 8th January 2019

Really annoying account

They charge you for it, constantly reduce interest rates, and have crap customer service. Reviewed on: 8th January 2019

Santander Happy

Shame the interest rate has dropped, but still a good value account. Reviewed on: 7th January 2019

Easy to use, all I need in a bank

I like it, easy to use and all I need, I've asked for no overdraft so as to not get into debt, staff are great inline, in phone and in branch Reviewed on: 6th January 2019

Never a problem, always helpful!

I have my 123 account as well as my mortgage with them and I have found to never have any problems with them, everything works like it should. Additionally, whenever I have needed help (cue me forgetting my pin number etc..) both on the phone and in branch the staff have always been so helpful and sorted things quickly and easily. These days this is a rare find, so I would definitely recommend! Reviewed on: 6th January 2019

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

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