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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.19 (1248 reviews)

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4.17

Based on 1,248 reviews, last reviewed 23rd Jun 2025

91% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

27%

Latest highest rating:

5

123 current account was reliable with good cashback I had a 123 current account with santander, and liked the cashback. The app is fairly easy to navigate but it can be tricky sometimes to access the bu... Read more Reviewed on: 18th April 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

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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 (1248)

Change of Opinion

They recently changed the T&Cs on this account, increasing the monthly fee, which was very disappointing. However, as my mortgage is also with Santander, that coupled with my DD payments to various utilities, still gives me more cash back than monthly fee, so less happy than I was, but still better than nothing at all. When the fee outweighs the benefits, I'll think again. Reviewed on: 12th February 2017

Contact-less

Very good bank, but won't let me get a contact-less card…perhaps because I'm a student and probably don't deserve one. Reviewed on: 12th February 2017

Great perks for everyday spending h

A great everyday account. Cashback on purchases and a better than most other banks rate of interest on your money Reviewed on: 12th February 2017

Trust

Melanie is my personal banker In the Londonderry Branch. She is always available to answer my questions and explain my options. I always feel that she has my best interests at heart. Reviewed on: 12th February 2017

Terrible customer service, unhelpful, rude, difficult to get hold of/rip off banking service both credit cards and banking

Every experience I've had with this bank has been hard work from trying to get back online to access credit card facilities to being charged for nothing without being informed! Trying to get hold of customer service to discuss your bank account infuriatingly takes an age only to be told when you get through that they can't help you or they don't know how to. They need to stop pushing the onus onto their customers to do the hard work and start doing it themselves. I would never use these again if they were the only bank left standing! I'd rather stash cash under my mattress. Reviewed on: 12th February 2017

CURRENT ACCOUNTS

I HAVE FOUND THIS TO BE THE BEST BANK FOR CURRENT ACCOUNTS THEY PROVIDE AN EXCELLENT SERVICE Reviewed on: 12th February 2017

Still Worth doing even though the interest rate has fallen, money for nothing

We have had a lot of money from interest and cash back on selected direct debits Reviewed on: 12th February 2017

My bank account

The staff at Santander are okay but not the best at solving common problems - it's a bit sad that the customer sometimes is better informed about services than they are! Reviewed on: 12th February 2017

good rate

Still a good rate of interest even after cut. Reviewed on: 12th February 2017

123 go....

Not the good deal it was when first offered. Wish I had stuck with my Zero account Reviewed on: 12th February 2017

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