Write a review

Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1250 reviews)

View other Santander products

4.17

Based on 1,250 reviews, last reviewed 15th Jul 2025

91% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

Current Account. Current Account. I have a 123 current account with Santander. It was very easy and quick to open i did it through the app/website. I could easily mana... Read more Reviewed on: 15th July 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

Read all reviews Write a review

About this product

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

Review Santander: 123 Current Account (discontinued) now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Current Account (discontinued) reviews (1250)

Fab account

Loved the cashback on this site. Disappointed when they increased the charge, but I still get back more than I pay Reviewed on: 12th June 2017

Consumer based

Many benefits for people using it Reviewed on: 12th June 2017

123 CARD ACCOUNT

Cash back on utilities and Santander mortgage accoutn for a nominal fee. I definetly get more cash back than the accoutn fee costs. Very good my offers for money off lots of shops and restaurnets and online retailers too. Reviewed on: 4th June 2017

Good bank account

Good bank account with cashback on lots of eligible bills, only downside is the relatively high overdraft charges Reviewed on: 1st June 2017

Worth the money

Despite the recent drawbacks in benefits and increased cost the account works and pays well. Great online services too. Reviewed on: 30th May 2017

Flexible and fair

A good home for easy access savings, with the benefit of attached current account. Reviewed on: 28th May 2017

Interest rates OK - customer service appalling

Not a bad bank for variety of accounts - watch that low interest and high charges don't make it uneconomical, Don't expect to feel cared for or appreciated - you are most definitely not Probably one of the worst (if not THE worst ) for customer service. such a shame - could have been a brilliant bank Reviewed on: 25th May 2017

Charges

I have a 123 account and I am continuously charged alot of money in fee's for having an overdraft, as well as account maintenance fee's. The account type does not save me money at all. Reviewed on: 17th May 2017

Still one of the best rates around

Even with the reduction in the interest rate offered, it's still one of the best available. This account is still good as you get cash back on various things including utilities - free money when you have to pay your bills every month anyway. The monthly fee is always covered by cashback too. Reviewed on: 7th May 2017

Change Is As Good As A Rest

Wish they hadn't changed the T&Cs on this account and upped the monthly fee for the honour of using your own account. If it wasn't for having our mortgage with them, whereby it makes it worth our while to bank the credits that go with this arrangement, I think I 'd have started to look around for another deal. Banks have had enough bad press over the years, there's got to be profit in there for them still, without infuriating their customers - AGAIN! Reviewed on: 3rd May 2017

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Freedom Current Account
from Danske Bank UK 4.50 from 2 reviews
Student Bank Account
from HSBC 3.26 from 20 reviews
Reward current account
from Halifax 4.35 from 197 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
Choice Current Account
from Santander 4.16 from 17 reviews
Saver
from Santander 4.00 from 54 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub