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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1252 reviews)

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4.18

Based on 1,252 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Santander Good app. Easy to set up and use with minimal fuss. Everything seems straightforward Reviewed on: 5th September 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 (1252)

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

Great cashback

The cashback on household bills is great and soon amounts up over time Reviewed on: 12th September 2017

Great for students

I have a 123 Student account, and it's been perfect for my time at uni. I received a free Railcard which has been so useful, and a generous overdraft. The Santander app is great for keeping on top of your spending. Reviewed on: 5th September 2017

Good customer service

Needed a new card as details were stolen. But this flagged as fraudulent activity and no money was stolen. Great client protection and a new card was sent straight away Reviewed on: 5th September 2017

Safe student saver

Santander offers a brilliant student account that so many of my friends and I have. With their big 0% overdraft and no minimum income it is a great choice for students AND offers a brilliant deal with a 16-25 Railcard Reviewed on: 5th September 2017

Good service

Friendly bank, I get a free 16-25 rail card which saves me so much money, and get good interest rates Reviewed on: 5th September 2017

Good

Reasonable overdraft, good customer service, probably some other benefits Reviewed on: 5th September 2017

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