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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1250 reviews)

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4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

80% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 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

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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 (1250)

Great service

I couldn't ask for more from my bank, they open business hours even a saturday. There is counter service which other provider lack and there online banking is simple Reviewed on: 4th January 2018

Amazing!

Great bank account and rewards, love it! Reviewed on: 3rd January 2018

Wonderful Santander

Custom service is to be applauded as is their user friendly banking app! Reviewed on: 2nd January 2018

Used to be great but benefits of a 123 current account has gone down hill

I originally switched to Santander 123 current account from HSBC as I had a bit of cash saved up that I needed access to but wasn't going to be spending in one go. When I opened the account, Santander offered 3% interest on savings over £5K and under £20K - slightly higher than the rate of inflation at 2.6%. They quickly dropped the rate though and started offering 1.5% only. Better than nothing, but you do pay to have this account and unless you have a large energy consumption, you are unlikely to make back in cashback what the account costs to have. A clever marketing trick, would not recommend to anyone. Reviewed on: 2nd January 2018

Easy as 123

The 123 account is easy to set up and you can gain interest on a variety of every day direct debits you have on the account and also on the amount you have in your account. One of the better accounts still around now Reviewed on: 1st January 2018

Santander account

I have always had happy banking with my 123 account, making money for paying bills through them Who wouldn't want to earn money when paying bills !! Reviewed on: 1st January 2018

Always reliable and never encountered any problems

Staff are always friendly in my local branch and I have never encountered any problems. Details are accurate and online banking seems to be OK, though I prefer a visit to the branch. This is no reflection on the system. I just have reservations about the whole idea of online banking in general. Reviewed on: 31st December 2017

Perfectly adequate

Been banking for 10 years, no issues. Reviewed on: 31st December 2017

good account in the past but charges are now too high

good account in the past but charges are now too high Reviewed on: 31st December 2017

Santander on top

If ever there's a need for me to call Santander the staff are always helpful and always ready to go that extra mile to sort your requests or problems out. Great bank!! Reviewed on: 29th December 2017

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