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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1250 reviews)

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4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

92% 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

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 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 (1250)

Brilliant account

Just love this account cash back on all my bills and cash back on my shopping and eating out Thanks . Reviewed on: 5th November 2018

Santander, so unprofessional!

Santander are unprofessional and just dont care. They make mistakes with regularity but dont have the infrastructure to deal with it. Their customer service is non existent and they are impossible to contact or deal with. There is no common sense in their business model, they have no understanding of their customers needs and refuse to change anything to meet them. Customer service is unsurprisingly always busy with huge waits...do they do this on purpose? They say they are open from 7am -9pm but this is not true. Their fraud service is only open during business hours, as is their complaints service...the same hours that anyone who is working is also busy and unable to use them!! The wait times during working hours are horrendous and when you do get an answer you will probably have to talk to other departments and face a wait again...on purpose?? My advice would be to choose another bank as dealing with Santander will drive you crazy. They are only a bank and others outperform them in every way. They just dont care! Reviewed on: 10th October 2018

NO LOYALTY WHATSOEVER, GREEDY AND MONEY GRABBING

NO LOYALTY WHATSOEVER - GREEDY MONEY GRABBING. Absolutely the worst bank to deal with. Having banked with Santander (in various guises) for OVER 30 YEARS, we have been treated like children when applying for a new mortgage and told we 'can't be trusted' !!! (Three other major high street lenders have approved us and by the way our Experian credit score falls into the 'Excellent' category). For the sake of TWO months Santander are going to charge us over £6,000 in early repayment fees for a position we feel they forced us into and there is no flexibility whatsoever. Staff are patronising and rude and don't want to do anything to help with or assess a situation on its own merits. No 'human' element to their thinking or decision process just a 'computer says' attitude. Not only will we be moving our mortgage we will also be moving our bank and savings accounts and will have nothing more to do with this awful Bank. Loyalty breeds loyalty .. I'm afraid Santander have NONE. Still I'm sure there'll be some nice fat bonuses and happy shareholders which is all that is at the (black) heart of this Bank. Reviewed on: 4th September 2018

Cashback and intrest

I get cash back for my monthly bills and interest on my balance along side other 123 benefits. Whats not to love. Reviewed on: 27th August 2018

Very pleasent

The plan was easy to set up and the staff were ever so polite, and remain to be everytime i pop in Reviewed on: 21st August 2018

still the best bang for your buck for interest

Even though this 123 current account has reduced the interest rate your still getting £25 odd quid a month, better than any other current account out there and you can even have one sole and one joint account. Highly recommended!!! Reviewed on: 27th July 2018

cashback

Pay your bills from your account, and have credit in the account, and you'll more than make up for the account fee with interest and cashback. Great bonus for having the account. Reviewed on: 1st July 2018

Not the best, not the worst!!!

Overall I don't have huge problems with this bank/account, but there are a serious lack of branches that I can actually walk into these days. However the online banking element is a strong one, and a major positive for me with this particular account. Reviewed on: 23rd June 2018

So many benefits

Me and my husband have 3 123 accounts between us and take full advantage of the cash back and savings available. The only downside is the interest rate has reduced to half. Reviewed on: 9th June 2018

awesome

Great service by the staff and a great product too Reviewed on: 9th June 2018

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