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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):

Stay Well Clear of Santander

1
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
Dave Scowen's avatar
Dave Scowen

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

Great product

4
I started using this product a few years ago and despite that interest dropped in half and fee doubled since then...it's still the best on the market...recommended++ Reviewed on: 5th February 2018
Assa's avatar
Assa

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