Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.15 (1265 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

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

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):

Very good account with rewards

Very good account with rewards, but you do need to pay in a certain ammount each month, so not necessarily useful if you are retired. Reviewed on: 23rd June 2016

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

Not happy with the complaint service

It was cashbook issue .According to Santender I have selected credit card for accepting cash back money which I was anware and now I changed to my curent account.But they won't pay me back the cash back which went on credit card as I have not used the credit card.As it's not santdender error they said I lost that money.. One bank I phoned to report theft of my card..as a sorry they gave me £20.0 with no reason..so happy as I lost some cash aswell. See the difference between service with other bank and santender. Here they didn't give me what I earned through shopping saying it's not santender error and the other bank paid me because they valued customer. Reviewed on: 31st May 2018

Good and Easy to use

Build up good rewards, and no problems with my account. Reviewed on: 16th May 2018

Santander Bank

Easy to get in contact with a person for any questions or issues you might have. Quick and easy to set up payments and transfers either on their app or website and moneys always receive and sent within seconds. Recommend bank Reviewed on: 3rd May 2018

tip top bank

Always been a Santander member, I think they are a very fair company, good overdraft limits and customer service Reviewed on: 16th April 2018

Good product

Good experience from the company Reviewed on: 14th April 2018

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current account
from Zopa 4.94 from 5806 reviews
Freedom Current Account
from Danske Bank UK 4.50 from 2 reviews
Graduate Current Account
from RBS 3.74 from 11 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Zero Credit Card
from Santander 4.16 from 20 reviews
Basic current account
from Santander 4.06 from 318 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub