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Santander: 123 current account (discontinued) reviews

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

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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

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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 (1277)

Good value and service

The 123 Lite account is worth it for the cashback on bills and I have always found it easy to contact Santander with any issues. It was straightforward to switch to this account. Reviewed on: 8th November 2017

A --ok

Always friendly helpful and informative Reviewed on: 8th November 2017

No problems

People around me were saying 'Beware' Santander! Yet my switch to them 2 years ago went through without a hitch and they have delivered on their promises with my 123 Current Account Reviewed on: 8th November 2017

Student Account

The banking app is really easy to use and the rewards page is a great bonus. The interest is much better than my other bank account. The interest free overdraft and free railcard are brilliant incentives for the student account. Reviewed on: 8th November 2017

Great current account

Remains a great current account if your cashback covers the monthly fee. Reviewed on: 8th November 2017

Money for nothing

The 123 account is very good if used correctly. We pay all our bills through DD and receive around £14 a month back. It’s a money for nothing situation as you have to pay them anyway! Reviewed on: 8th November 2017

Great deal for savers

Even though interest rates are rubbish and Santander reduced the % @1.5% on 3 accounts for a couple with max £20,000 it cant be beaten. Plus cash back its a winner still Reviewed on: 8th November 2017

Easy to use account

Not had much call to speak to Santander but their on line service is excellent. A very flexible but secure website. Easy to see and manage all accounts. Interest on balance and DDs has dropped but still compares fairly favourably with other banks Reviewed on: 8th November 2017

Easy online operation and helpful staff

Despite poor reports on customer service I have never experienced this. Staff are knowledgeable when I have questions. Local branch pointed out how I could earn more interest with them. Even though I have an online account with them I can ring orvisit a local branch. Pity they now charge an account and credit card fee but I just about break even. Reviewed on: 8th November 2017

Great account for people with £20000 to have easy access to

I like this account because I have £20000 to invest . However as a purely current account ,it is too expensive. Reviewed on: 8th November 2017

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