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Santander: 123 current account (discontinued) reviews

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
See only 5 star reviews
54%
See only 4 star reviews
27%
See only 3 star reviews
8%
See only 2 star reviews
4%
See only 1 star reviews
6%

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
Lorna Ridgers's avatar
Lorna Ridgers

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
David Wilson's avatar
David Wilson

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)

Great for students

5
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

5
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

5
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

5
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

4
Reasonable overdraft, good customer service, probably some other benefits Reviewed on: 5th September 2017

Good customer service

3
Found our local branch always very helpful and supportive Reviewed on: 25th August 2017

At last, a bank that gives.

5
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

4
easy to deal with, no problems, good interest rates Reviewed on: 15th August 2017

Problems with Online Access

2
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

4
Like so many banks these days there is in my opinion a complete lack of actual branches. Reviewed on: 10th August 2017

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