Write a review

Newsletter

Go to business site

Santander: 123 current account (discontinued) reviews

Name: 123 current account (discontinued)
Rating: 4.10 (1277 reviews)

View other Santander products

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

54%

27%

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

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

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 (1277)

I love this account

Had it for a few years now and I've earnt over £1200 in cashback from the offers they have. Really simple and with a low monthly fee, this has been the best account I've ever had. Reviewed on: 10th November 2017

Ok if you like a straighforward way of banking

Not a problem in contacting the bank. Easy on-line information and access to the accounts Reviewed on: 9th November 2017

spend and save

good service, rewards and interest rate Reviewed on: 9th November 2017

Easy way to earn cashback

Easy to set up account and earn money whilst saving and spending Reviewed on: 9th November 2017

lost the gloss

The interest went down, the fee went up, it's no longer the best Reviewed on: 8th November 2017

Good benefits providing you get more than £5 to offset the monthly fee

Great to get money for having certain debits which cancels out the £5 monthly fee. Would be a better account if monthly fee was reduced. Reviewed on: 8th November 2017

Good, friendly service at local branch but the 123 Santander is not as good as it used to be

I have had a Santander 123 account for a few years. I have always had good, friendly service at my local branch. However, I am considering a change of account as the interest rate has been lowered to 1.5% (previously 3%). With interest rates likely to rise this account is likely to become less competitive. Reviewed on: 8th November 2017

Easy to use and great returns

I have used Santander for years now, ever since they offered a fantastic new customer deal. I am impressed with the simplicity of their app and the ease at which I can transfer funds. I am also very pleased with the returns I have made on my money and will continue to be a loyal customer of theirs. Reviewed on: 8th November 2017

Easy Banking for Anyone

We switched to Santander back in 2015 when our current bank let us down. Everything from the paperwork to online banking has been effortless, I have signed up for alerts so they let me know if I'm getting low on funds without having to check in everyday Reviewed on: 8th November 2017

Good online services

Good online usability but useless on telephone for cust service Reviewed on: 8th November 2017

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

Everyday current account
from Santander 4.04 from 205 reviews
Graduate Account
from NatWest 4.43 from 63 reviews
Student Current Account
from The Co-operative Bank 4.16 from 8 reviews

Want to see more from Santander?

Cash ISA
from Santander 4.35 from 84 reviews
Basic current account
from Santander 4.32 from 337 reviews
Choice Current Account
from Santander 4.28 from 22 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