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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)

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

Hassle free current account

Was late to Santander, but now would recommend to all family and friends. Reviewed on: 29th June 2017

Great Bank, Great Account

I earn cashback on my direct debits, interest on my balance, and low charges on my overdraft. Santander are great! Reviewed on: 23rd June 2017

no help when needed

The account works fine, although even with the cash back it was not worth it. Basically I got cheaper banking elsewhere and with more benefits. I stuck with Santander until they rejected me for credit, which was strange give my credit score, and my history with them... went into a branch to ask why, and no help was given... the machine had decided. Gave up and went elsewhere, got a credit, and I'm saving money on the current bank account. Reviewed on: 22nd June 2017

Earn money from a bank

This is the best way to actually earn money on your own money. Very impressed with this bank account. Reviewed on: 22nd June 2017

123 Current Account great Perks!

Its great to get the 1/3 off rail card Reviewed on: 12th June 2017

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

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