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Santander: 123 Current Account (discontinued) reviews

Name: 123 Current Account (discontinued)
Rating: 4.16 (1265 reviews)

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4.16

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

200% 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.

Review Santander: 123 Current Account (discontinued) now

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Santander 123 Current Account (discontinued) reviews (1265)

Cashback for paying bills - Yes Please!

I have just switched from Barclays to Santander 123 account, where I now not only get 1.5% on my savings in the current account BUT also get cashback on any bills that I pay. It was SO easy to set up and Santander did all the transfer of standing orders/direct debits for me. Now I can look forward to receiving interest on both my savings and payments with full flexibility and accessibility of my account. In my opinion this has to be the best account to have - I fully recommend everyone opening a 123 account today Reviewed on: 12th February 2017

Great customer service but lacking in problem solving

Customer service is great in the branches and on the phone. However if there are any problems on your account the staff on the phone can't seem to tell you why. The common answer is that they don't know what is causing the problem they just know that their screen says no. Reviewed on: 12th February 2017

Excellent Bank

Not really had any problems with this bank. Good customer service, friendly and helpful. Brilliant student account with railcard and fee free overdraft. Online services are great, and so is the app. Only problem is when my card expired a couple of months ago they sent me one without contactless, which in itself is a bit annoying considering everyone uses contactless now, but even more so considering I specifically asked for a contactless card when I was setting up my account. This is one tiny mistake however, doesn't outweigh the otherwise brilliant service I've recieved. Reviewed on: 11th February 2017

Great online banking app and website

The online banking app and website are great. It has very good security features without having to have a keyfob like HSBC and it is very easy to use. With the app you can see all of your accounts in real time. Reviewed on: 11th February 2017

gone downhill

account charge gone up, interest down, not realy worth it anymore Reviewed on: 11th February 2017

Brilliant service and great customer service

As my title says. The service is great, the benefits are brilliant and easy to understand.. and if you do have a problem, don't worry about calling as Santander are fantastic to speak to. Reviewed on: 11th February 2017

Not so easy switching... but worth the fuss!

We opened a joint 123 account to make the most of the % back on our mortgage and direct debits. The switching process was a nightmare and took 2 months and many phone calls, leaving us without a working account for October and November... Christmas preparation nightmare!!! Since the switch finally happened, the customer service in branch and the smooth operation of the website has made up for the initial niggles, just a shame the interest rates have dropped so dramatically! Reviewed on: 11th February 2017

use to be good

Given wrong information in branch that a change could only be done by telephoning head office which was incorrect. Reviewed on: 11th February 2017

Not good value for money after changes

It was good while monthly cost was lower and interest rate was 3%; now it's not worth it anymore Reviewed on: 11th February 2017

Efficient and Competitive

had good reason to change my bank who after 30+ years had demonstrated that they did not value my custom so approached Santander who welcomed me with open arms and have subsequently lived up to their promises. Even with the lower interest rates it's still the best option for us Reviewed on: 10th February 2017

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