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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1248 reviews)

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4.16

Based on 1,248 reviews, last reviewed 23rd Jun 2025

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 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 (1248)

So far so good

Switched to Santander 4 months ago when my building society stopped doing current accounts. With interest rates so low I was attracted by the rate I would get on my balances and the cash back. The switch went smoothly and running the account on-line is straight forward. Had a couple of issues that needed customer support and I was satisfied with the speed and quality of response. Reviewed on: 4th October 2017

Always recommend santander

Have never had a bad experience with Santander. Great customer service. Although I don't like being directed to a machine instead of a person. If I go into the bank I want to deal with a human Reviewed on: 4th October 2017

Good Bank

Good bank what few issues we have had been dealt with quickly and fairly. Great customer service. Reviewed on: 4th October 2017

Instant online banking .... unless you're locked out for weeks

I got locked out of my account due to using an incorrect PIN. A new one was requested immediately but was told it takes 5 to 7 working days. 13 days and several complaints later, they said they would send new login details which would take a further 5 to 7 working days. For the last 3 days, via twitter, I have been promised a call but nothing. I am still waiting having been locked out of my account for 16 days. Using faster payments I can transfer money within minutes; that is after waiting several weeks to get back online! Reviewed on: 29th September 2017

Great modern service

They have a vastly greater app and overall online banking service than other high street banks that i have dealt with. Another great point is their modern and convenient ATM machines that allow deposits and £5 withdrawals. Reviewed on: 26th September 2017

Great service

This is my first account with Santander, they were so helpful when setting the account up. I had lots of questions afterwards, I phoned them and they talked me through everything - even repeating much of the same thing! Reviewed on: 19th September 2017

Overdraft

I've needed the overdraft more than once and been very thankful to have one. Would recommend to any student. Reviewed on: 17th September 2017

Wonderful

Has been everything I needed it to be whenever I wasn't able to help myself Reviewed on: 17th September 2017

Student account

I have a student account with Santander and I love it. I have a £1500 free over draft limit which suits me so well and get a free railcard for 4 years which is so handy as I live near London for uni. Recommend for any new student needing a student account. Reviewed on: 14th September 2017

Easy to set up and straightforward to manage online

An account that charges £1 per month and pays back a little more depending on the number of direct debits you set up. The account was easy to set up at my local branch although the appointment for this took a week. Online banking is straightforward. Reviewed on: 12th September 2017

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