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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.15 (1265 reviews)

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4.15

Based on 1,265 reviews, last reviewed 26th Jan 2026

600% 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 (1265)

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

Outstanding product

I can't rave enough about how clever the 123 current account is. There is a 2 pound monthly fee, but this is more than made up for by the better savings rate on offer and cashback on household bills makes it really clever...cash back on bills is a nice feeling. Reviewed on: 10th June 2015

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

Good customer service

Found our local branch always very helpful and supportive Reviewed on: 25th August 2017

At last, a bank that gives.

Just great to get some return for investing your hard earned cash. Even after they reduced the interest they are still the best for us. Reviewed on: 23rd August 2017

no hassle good interest

easy to deal with, no problems, good interest rates Reviewed on: 15th August 2017

Problems with Online Access

Experiencing problems with online banking. Its the second day now that I cannot access this service. Would like to know if this is a server issue or whether its personal accounts being affected. Regards Reviewed on: 11th August 2017

Good online but not enough branches

Like so many banks these days there is in my opinion a complete lack of actual branches. Reviewed on: 10th August 2017

Good interest rates and easy to manage online

Whilst the interest rate for this current account has reduced, it is still providing leading market rates compared to most other providers, particularly if you are able to have the £20k maximum limit in the account - as this helps you get the most out it. Customer service in the branch is good, and internet banking is easy to use to manage the account. Reviewed on: 4th July 2017

Does the cashback job well . Good customer service.

Does the job. Good customer service when needed. We have been clever-ish in making sure we maximise the cashback income using all possible indirect debits including our mortgage. Result! Reviewed on: 30th June 2017

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