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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):

Stay Well Clear of Santander

The worst bank and customer service on the planet! I have had a lock placed on my account and the reason they gave me was that i have used contactless payment too much. Now considering i have spent the last 3 weeks in Singapore and never use the card as i dont want to pay their extortionate rates. I transfer from the bank to Wise. Now they have blocked it and tell me i have to buy something in Singapore and put my pin number in to release the block. Its the only way i can unblock it! Santander are a joke and i shall be closing the account down because of this. Complete failures! still waiting on the line for the fraud team to unblock this bar and been waiting over an hour so far. i am stuck in Singapore without access to my money. Reviewed on: 9th October 2022

Regularly check alternative current accounts. This remains on top

Competitive interest rates, cashback on debit card spending. Useful apps and good online banking experience. Reviewed on: 19th December 2018

Good cashback on spending

As well as getting interest you get a cashback on your general household spending. Although there is a monthly charge this is always covered by the cashback and I get a little extra for me Reviewed on: 18th December 2018

Great Perks!

Cashback on Mortgage and other spending. Along with top customer service. Reviewed on: 17th December 2018

Great perks

Can't fault this account, get cashback on Mortgage and other things. Top customer service too Reviewed on: 17th December 2018

Top notch

Easy to use and excellent cashback on bills with leading interest on top. Reviewed on: 17th December 2018

Personable bank

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

Great service

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

Santander is still okay

Santander is still a good bank good customer service Reviewed on: 15th December 2018

Great

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

good service

friendly and efficient service, no issues since signing up Reviewed on: 12th December 2018

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