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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)

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

Great cashback

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

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