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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

Used to be good

This used to be a great account - but the interest rate was drastically reduced - making it very ordinary. Reviewed on: 6th November 2018

good interest with cashback

Easy to operate account with a "high" level of interest paid monthly along with cashback from various utility companies. Reviewed on: 5th November 2018

Greta Product

Never had any trouble with santader Reviewed on: 5th November 2018

Great All Purpose Current Account

Easy to manage, use, with a little interest thrown in too. Reviewed on: 5th November 2018

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

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