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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)

Excellent Service

Always so helpful, either in branch or on telephone. Reviewed on: 8th November 2018

Fantastic account

Santander 123 account offer multiple benefits. i get 1% back on my Santander mortgage along with cashback from my household bills. The in-app offers at retailers and food outlets are an excellent benefit as i can get money back from eating out and going places with the family. I would definitely recommend this Santander account. Reviewed on: 8th November 2018

Worth the monthly fee

I have had the 123 account for around 5 years now and have earnt myself over £1000 in cashback from my mortgage and paying utility bills from the account. I have always found the customer service to be very good and the staff in branch extremely helpful and friendly Reviewed on: 8th November 2018

Effortless

Great account, excellent cashback and interest. No effort to set up, I couldn't be happier. Reviewed on: 8th November 2018

123 Account

Interest on your current account up to £20,000 better than most savings accounts and cashback on some purchases with the 123 credit card. I have had this account for a number of years and although the terms are less favourable than when I first took it out it is still a very competitive account. Reviewed on: 7th November 2018

Excellent

This is an excellent account and there have been no problems using this account. Recommended! Reviewed on: 7th November 2018

Santander a Bank for all people

I have been with Santander for 3 years as a personal customer and the services I have received has been exceptional Reviewed on: 6th November 2018

123 Works for me

For those of you who want a decent account that gives something back for a small fee then this is one of the best accounts, you don’t need to have a vast salary paid in unlike many other accounts, this one is a minimum of £500 a month, you get cash back on direct debits to major utility suppliers & interest on your balance. Good website, I don’t get bombarded with loads of rubbish emails & they also offer rewards on using your debit card at certain retailers, just plain good all round service. Reviewed on: 6th November 2018

Great cashback perks

Getting £10 per month cashback on my mortgage payments each month, such a bonus Reviewed on: 6th November 2018

WIDE CHOICE OF ACCOUNTS - GREAT ON-LINE BANKING PLATFORM

WIDE CHOICE OF ACCOUNTS FOR BILLS AND SAVINGS - GREAT EASY TO USE ONLINE BANKING PLATFORM - EASY CUSTOMER SERVICE EXPERIENCES Reviewed on: 6th November 2018

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