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Santander: 123 Current Account (discontinued) reviews

View other Santander products
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
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

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026
A's avatar
A

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
Karen's avatar
Karen
Read all reviews See your review

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

1
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
Dave Scowen's avatar
Dave Scowen

Excellent account

5
I love my 123 account. So easy to use and gives me money back from paying bills. I would and have recommended this account to everyone! Reviewed on: 22nd November 2018
Zam Xavier's avatar
Zam Xavier

Excellent account

5
I love my 123 account, really easy to use and gives me money back from paying bills. I would, and have recommended this account to everyone! Reviewed on: 22nd November 2018
Zam Xavier's avatar
Zam Xavier

Great product

5
Great product with cashback and interest features Reviewed on: 21st November 2018
Bruna Ferreira's avatar
Bruna Ferreira

123 Current Account

4
I've had this account for the past 5 years and never had any problems with it. Ease of transfer, setting up payments and direct debits. The design on the website and apps has easy to use features and makes it simple to choose what you need. Good rates and recommended for simple bank account use. Reviewed on: 20th November 2018
rkiadeh's avatar
rkiadeh

Amazing cashback offs whether you

5
Amazing cashback offers refreshing weekly, you can opt in or some of them are as standard, also you get exclusive rates and also cashback on standard bills!! Free money! Reviewed on: 19th November 2018
Cwprze's avatar
Cwprze

Great staff

5
The staff in Santander are always friendly and helpful, Santander always has a good choice of options of accounts Reviewed on: 18th November 2018
Di's avatar
Di

Super

5
Great in-bank help. Always there if you need help and offer advice to everyone. Never had an issue when ringing and get to speak to someone very quickly! Reviewed on: 17th November 2018
Helen Grayson's avatar
Helen Grayson

Excellent customer support

5
Excellent customer support and understanding of peoples needs in difficult times Reviewed on: 17th November 2018
Peter's avatar
Peter

123 always adds up

5
The 123 account gives money back when your set up direct debits are paid from your account. There is a £5 monthly charge but your account always earns more than this. It is very much a case of having something for nothing. Reviewed on: 17th November 2018
Cherryl's avatar
Cherryl

Does what it says on the tin

5
Great account, cashback on selected purchases. What's not to love Reviewed on: 15th November 2018
Kath Cox's avatar
Kath Cox

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