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Santander: 123 current account (discontinued) reviews

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
See only 5 star reviews
54%
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

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
Lorna Ridgers's avatar
Lorna Ridgers

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
David Wilson's avatar
David Wilson

About this product

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

Review Santander: 123 current account (discontinued) now

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Santander 123 current account (discontinued) reviews (1277)

Best of a bad bunch

4
I receive interest on my account, and they still have branches unlike my other bank Reviewed on: 10th February 2018

Absolutely Amazing

5
I will never change banks if my experience is like anything it has been previously. Never ONCE had a problem with Santander and they're a very helpful company. I feel extremely safe and secure with this bank, due to constant fraud checks and heavy security on online banking. They are trustworthy, which is a vital quality for any company to have. Amazing. Reviewed on: 10th February 2018

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

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

Great cash back

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

Great Bank

5
Great Customer service & top staff Reviewed on: 9th February 2018

Great bank

5
Excellent customer service and reasonable banking rates Reviewed on: 8th February 2018

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

Great bank

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

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

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