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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1266 reviews)

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4.16

Based on 1,266 reviews, last reviewed 26th Jan 2026

200% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Good interest rate for credit balances and is accept... Good interest rate for credit balances and is accepted abroad Reviewed on: 26th January 2026

Latest lowest rating:

2

Loved the 123 account why did it go? Had a 123 account loved it, then Santander changed it to basic, whilst trying to get me to upgrade to a edge account which would cost me money most mo... Read more Reviewed on: 25th January 2026

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About this product

The Santander 1|2|3 Current Account is no longer available to new customers.

Santander 123 Current Account (discontinued) reviews (1266)

Review of the Santander, 123 Current Account (discontinued):

Good money maker

I switched to Santander bank after having a bad experience with Lloyds a year ago. The nice lady in Santander introduced me to 123 current account and worked out for me ,taking into account my salary, savings, spending, whether this account is suitable for me. She want pushy or manipulative and left the decision to me. When I switched the bank moved all my bills and standing orders to my new accound and the money that had been sitting in my saving account making almost no profit. Over the last year I made around 200 pounds by having the money in my 123 Current account instead of keeping it in my old Saving account. Even with the fee increase from 2 to 5 pounds its still worth staying with them if you have over 10000 pounds in savings. Reviewed on: 24th December 2015

WOULD NOT RECOMMEND SANTANDER

4 times I had problems with debit card. Santander very slow to react and lengthy phone calls required to resolve situation. Refused to take any responsibility for their own errors and rude attitude. Reviewed on: 15th February 2024

The 1 2 3 Lite account gives Cashback on Direct Debits

The 1 2 3 Lite account gives Cashback on Direct Debits but have adjusted them over the years so not quite so advantageous Reviewed on: 15th February 2024

Account is easy to use.

Account is easy to use. Good support over the phone and a nice bonus of cash back on certain things. Interest rates are not the best I found but over all I’ve had a good experience banking with them. Reviewed on: 15th February 2024

Easy to use app.

Easy to use app.Log in not too long.Like the cashback . Reviewed on: 15th February 2024

Great Banking at your finger tips

the 123 account fitted my needs, but it also introduced me to the Edge account which was linked to a savings account. As we had a joint account we could put £8000 away for a year earning 7%. That's great! AT the end of the year I will look elsewhere. I stick with Santander because they are solid, reliable and never let me down Reviewed on: 14th February 2024

Keep your money organised easily

The website is clearly organised and makes managing money painless. You can see the status of any linked accounts such as mortgage and savings at a glance so that you feel fully in control. Upon logging off it gives you a summary of your activity which is helpful. Reviewed on: 11th February 2024

no problems and good service ease of use of online s...

no problems and good service ease of use of online services Reviewed on: 26th January 2024

Brilliant

I have banked with Santander for over 25yrs and honestly a great bank never any issues regarding contacting them and they mobile app is excellent Reviewed on: 20th January 2024

Local Branch Phone Number is a Premium Rate Number

My local Santander branch in West Bridgford, Nottingham left a message to ring them. I rang and a 13 minute call, for some of which I was on hold, cost £4, as it is a premium rate 05511 number. Why are Santander using Premium rate numbers? Reviewed on: 3rd January 2024

Efficient simple account

Great customer service providing a range of account services Reviewed on: 1st November 2023

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