Write a review

Go to business site

Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

View other Santander products

4.18

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 2025

Latest lowest rating:

2

Is that a bank for the elderly ? Strong impression that the bank have little time for customers . I approached my local branch 4 times since May 2025 for certificates of interest whic... Read more Reviewed on: 23rd June 2025

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 (1252)

Was excellent but now just okay

This was an excellent account, but increased fees and diminished interest payments have significantly reduced its value. Reviewed on: 31st January 2018

Friendly bank

Excellent friendly service in branch, easy to use website Reviewed on: 28th January 2018

Good account if you have decent money in

Really good account if you have money in as you get a good rate also cash back if you pay bills by direct debit. However if your savings dwindle and because you pay a monthly fee of £5 you neen to consider if its worth it Reviewed on: 26th January 2018

top notch banking

I've banked with Santander since I was 17 years old and have never thought once about switching (I'm 30 now!). Great customer service, user friendly online banking and a bank you can really trust with fraud protection! Reviewed on: 26th January 2018

Still pretty good

Better when interest was 3% but still pretty good. Reviewed on: 26th January 2018

Amazing

Great experience, good cashback and interest rates. Staff friendly and helpful in branch Reviewed on: 25th January 2018

It was good until...

I've been with 123 Santander account for a few years. Initially it was great - the interest on my savings beat the savings account out there. However, now they have raised the fee of the account, it's not as much as a saving. Also, when someone tried to use my bank details, they blocked my account (which I guess was good) but didn't bother telling me (which was not great when I needed money!), I ended up recieving £100 in compensation as a result. Now that I've bought a house, and don't have much savings, I don't get as much interest and not reaping the rewards. I'm thinking of changing bank accounts. Reviewed on: 24th January 2018

Good

Really good never had any problems Reviewed on: 20th January 2018

Blocked Account!

I have my account blocked because I changed my address and I give them my new one, they didn't bother to ask me my previous address and they put a sticky note on my account. To correct that I had to go to the bank with my ID and card or bank statement. I had to wait for ages as usual when they call other branch or something like that, and they put me answer some security question about some money coming into my account, I explained to them that is my wage that is coming every 4 weeks, and they no, it is coming at irregular times and they need a proof of wage. I come with it and they put me on hold, to wait for their phone call, don't know why. They said they will call me that day or the day after. Those days passed and I am still waiting. Thank you very much, Santander! Reviewed on: 20th January 2018

trustworthy bank

Trustworthy, helpful, easy and uncomplicated bank Reviewed on: 20th January 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

ufirstgold Account
from Ulster Bank 4.27 from 5 reviews
Cash Card Account
from Barclays 4.48 from 139 reviews
Student 20 Account
from Bank of Ireland 0.00 from 0 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.11 from 17 reviews
Basic current account
from Santander 3.94 from 308 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