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Santander: 123 Current Account (discontinued) 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
See only 5 star reviews
55%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

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
A's avatar
A

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
Karen's avatar
Karen
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):

Good money maker

4
I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 2015
agnieszka kuropatwa's avatar
agnieszka kuropatwa

Complex idea made good

4
The 123 has been an attractive deal, with rules that allow customers to feel they are getting a good deal. Reviewed on: 9th February 2018
Christophe Jenkins's avatar
Christophe Jenkins

poor interest

1
from being one of the best current accounts its poor interest rate and charges i am now switching to another bank. Reviewed on: 9th February 2018
Michael Carter's avatar
Michael Carter

Great cash back

5
Easy to use, great at giving cash back. Was better before the £5 charge though Reviewed on: 9th February 2018
Susan Marshall's avatar
Susan Marshall

Great Bank

5
Great Customer service & top staff Reviewed on: 9th February 2018
Paul Aislabie's avatar
Paul Aislabie

Great bank

5
Excellent customer service and reasonable banking rates Reviewed on: 8th February 2018
jharvey43's avatar
jharvey43

123 Current account

4
The Santander 123 current account, is great for me as I can earn money back from it. My mortgage payments go through it every month automatically, meaning over the past 5 years, I have earned over £300! a welcome amount! Reviewed on: 8th February 2018
Myles Roberts's avatar
Myles Roberts

Great bank

5
I changed from Rbs to Santander a year ago now and would not look back Reviewed on: 7th February 2018
Gemma craig's avatar
Gemma craig

Happy with account

5
Very happy with accont, can access it online which is convenient for checking and transferring money, no problems, also commission paid for direct debits etc is handy Reviewed on: 7th February 2018
Marion Payne's avatar
Marion Payne

Been with for 20 years

4
Been with the bank for 20 years and have only had a few problems and they was sorted out there and then. Reviewed on: 7th February 2018
Sian 12345's avatar
Sian 12345

GREAT PRODUCT!

5
Excellent customer service at my local branch at Devizes in Wiltshire. Great to receive interest on a current account. Reviewed on: 6th February 2018
BARBARA's avatar
BARBARA

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