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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):

Fantastic

5
Love using the 123 current account, great that you can get cashback on your everyday bills that you would be paying for anyway! Also good if you combine with the 123 credit card, as you can get cashback on your everyday purchases! Reviewed on: 21st April 2016
Heather Dunk's avatar
Heather Dunk

Still pretty good

3
It was better with 3% interest but still not bad. Reviewed on: 3rd February 2018
Dair's avatar
Dair

Trouble free

4
Pretty straight forward, financial lucrative account. Good customer service experience Reviewed on: 3rd February 2018
Hannah Alexander's avatar
Hannah Alexander

Good product

4
Good interest rate and cashback, what more could you want Reviewed on: 2nd February 2018
G_Model101's avatar
G_Model101

Was excellent but now just okay

3
This was an excellent account, but increased fees and diminished interest payments have significantly reduced its value. Reviewed on: 31st January 2018
Jeff Brown's avatar
Jeff Brown

Friendly bank

5
Excellent friendly service in branch, easy to use website Reviewed on: 28th January 2018
stevencoyne69@googlemail.com's avatar
[email protected]

Good account if you have decent money in

4
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
NannyCollier's avatar
NannyCollier

top notch banking

5
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
Hannah Louise Taylor's avatar
Hannah Louise Taylor

Still pretty good

4
Better when interest was 3% but still pretty good. Reviewed on: 26th January 2018
Dair's avatar
Dair

Amazing

4
Great experience, good cashback and interest rates. Staff friendly and helpful in branch Reviewed on: 25th January 2018
Matt Karen's avatar
Matt Karen

It was good until...

3
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
NP87's avatar
NP87

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