Write a review

Newsletter

Go to business site

Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.10 (1277 reviews)

View other Santander products

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

Read all reviews Write a review

About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Review Santander: 123 current account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 current account (discontinued) reviews (1277)

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

Fantastic Provider

Santander have the best current account rates and an amazing cashback system for normal household bills. My account receives a generous income boost each month and now also includes cashback from shopping at specific retailers. Their banking app is very user-friendly and straight forward to use, and the customer service/support is brilliant. 100% would recommend Santander to a friend. Reviewed on: 6th April 2018

Excellent customer service

been with santander about 6 years and have been really impressed with the customer service. Staff are always friendly and knowledgeable. They made a small mistake when first swapping to them which they put right as soon as we mentioned it and gave us a small amount of money to say sorry for the inconvenience. What more can you ask for. Very impressed. Reviewed on: 4th April 2018

Good all rounder

The 123 account is good but not the best on the market. It is easy to set up, plenty of branches in towns to speak to someone in person. They are very honest about whether it is worth paying the fee to get the cash back. Online banking is good quality. Reviewed on: 4th April 2018

Great interest rate

We get a great interest rate on up to £20000, and its always a pleasure to go into branch Reviewed on: 4th April 2018

Lemon Easy!

My 123 Current Account is simple and easy to use. Santnader have made it clear with regards to my spending and even have an app 'Spendylytics' to help show my use on my 123 current account. It suits all my needs and offers a useful overdraft for emergencies too. On top of this, they have special offers for discounts on other stores. Reviewed on: 4th April 2018

Average banking

Charged £5 per month for account benefits, a large increase from £2. Not much benefits. Reviewed on: 4th April 2018

Good place to keep you £20k

Good online account with offers got credit card use and 1.5% on £20k. Energy bills cash back as well. Not bad.... Reviewed on: 21st February 2018

Good overall, lacking branches outside of city centres.

Joined in 2014, no issues with products or communications and 123 account is sill just about worth it for me despite interest drops/increased charges. Plenty of branches in city centres (often multiple) but hard to find elsewhere. Reviewed on: 14th February 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

Student Current Account
from RBS 4.07 from 13 reviews
Silver Account
from TSB 4.18 from 4 reviews
Current account
from Starling Bank 4.87 from 27458 reviews

Want to see more from Santander?

Cash ISA
from Santander 4.35 from 84 reviews
Basic current account
from Santander 4.32 from 337 reviews
Choice Current Account
from Santander 4.28 from 22 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