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Santander: 123 Current Account (discontinued) 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
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

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
Jennifer S's avatar
Jennifer S

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
Tina's avatar
Tina
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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)

123 Graduate Account

4
Had a great customer service experience when opening my Graduate 123 Account. Initially enticed by the 3% monthly interest on account values of up to £2000. Although I must say Santander customer service is great, it was also a little too much which I found a little offputting e.g. personal banker saying she would phone me to find out how I am getting on. I understand this from the banks point of view but I find this a little odd. Other than that, they are one of few banks offering a great high interest current account rate. Reviewed on: 26th December 2017
Amanda Kerr's avatar
Amanda Kerr

good account fan of Spendlytics

4
Spendlytics app is a great way to keep on top of your spending really improves te current account. Could have better interest and customer service. Reviewed on: 21st December 2017
Lauren Boyd's avatar
Lauren Boyd

Can Recommend

5
This is an option I guided my young-adult daughter towards and so far, so good. Reviewed on: 19th December 2017
allison prosser's avatar
allison prosser

Excellent - Highly recomment

5
Applied for an account online and I had a new account, card and pin number within a week. Fantastic. Reviewed on: 13th December 2017
Lynsey Buchanan's avatar
Lynsey Buchanan

123 Steps to great savings

4
I love the Santander 123 Savings account because it gives you a generous interest rate (1.5%) and you get cash back on bill payments, council tax and other services. You can get a great interest on savings upto 20000 and although you have to pay £5 a month for the account you make it back (and much more) on the interest and cash back alone. I would definitely recommend this bank account to everybody. Reviewed on: 11th December 2017
Virginia Chico's avatar
Virginia Chico

123 Steps to great savings

4
I love the Santander 123 account because it offers a very generous interest rate (1.5%) and a few incentives like cash back from paying bills, council tax and other services from your 123 account. You receive interest on your savings upto 20000 and although you have to pay £5 per month to keep your account you make it up from the interest and cash back earned so I would definitely recommend this account to everybody. Reviewed on: 11th December 2017
Virginia Chico's avatar
Virginia Chico

Cashback and Competitive Intrest

5
Cash back for paying your bills and competitive interest on a larger sum of money whats not to like. Also if you are a 123 customer you then get more additional benefits. Reviewed on: 10th December 2017
Rebecca Lawrence's avatar
Rebecca Lawrence

Santander current account 123

5
Useful account and always easy professional contact with the company - to date, unable to fault on customer service and data security issues Reviewed on: 5th December 2017
Suzanne Bedonia's avatar
Suzanne Bedonia

Especially great for students

5
Having been a santander bank customer for the past 5 years, having a 123 current account has been delightful, especially when I needed a current student account and Santander provided me with the most reliable student account. Value for money is also great as they offer a 4 year student railcard. In branch the cashiers are always friendly and polite, no matter what branch of Santander I visit. Also, when I was having problems updating my address with Santander, I was compensated for their errors and was sent an apology letter. Reviewed on: 4th December 2017
Joanne trott's avatar
Joanne trott

Great customer service

5
I’ve just switched from 123, purely because of the drop in interest rates. When I was getting 3% on my small savings pot it was perfect for me. The account charge was more than offset by the cash back on my direct debits. They are very responsive to enquiries, speedy satisfactory response always. I only used my local branch to deposit cheques, excellent automated system so no queueing. Online banking works perfectly. I would have happily stayed, but the incentive to move was worth more than a year’s interest now. Reviewed on: 26th November 2017
Liz Slade's avatar
Liz Slade

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