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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)

Bank charges for thier own mistakes

1
Bank charge in error, then charged daily as the original charge took me over drawn on a new account. Tried to sort at a branch, but absolutely no ability in the branch to do anything. Awful, avoid Reviewed on: 4th February 2018

savings rate slashed

2
Offered a wonderful 3% interest on savings up to 20K then once customers moved their business to them slashed it to 1.5% Reviewed on: 3rd February 2018

Still pretty good

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

Trouble free

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

Good product

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

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

Friendly bank

5
Excellent friendly service in branch, easy to use website Reviewed on: 28th January 2018

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

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

Still pretty good

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

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