Cahoot Omdömen 454

Terrible site, trying to transfer money and constantly kicked back to the home page to start login process again. I've been with cahoot 6 months and this is a regular issue. Should have realised a bank without an app is using ancient tech and can't coupe with modern usage. Time to transfer savings elsewhere.

I am shocked with the amount of 1 star reviews. All good from where i am. I hope i have not spoke too soon.😏

Victim of fraud. Cahoot partly refunded and decided to cancel the refunds, leaving me overdrawn. They allowed 14 fraudulent transactions in 2 hours from the same merchant. No communication from Cahoot and have to chase them. Their security protocole is weak. Shocking

A savings account matured and after making a transfer to another external savings account, I had the usual cahoot message that it is being processed.
However, the transaction was actually being blocked because cahoot it seems blocks the first transaction to a new external account I learned later. Only when I logged in again did I get a message that the account was blocked, but I still assumed the money had been moved.

Helpful (if slow) customer service on phone but systems are v frustrating. They welcome deposits of 'upto £2 million' however transaction limit for withdrawals is only £25k!!! (not that you are told this anywhere on their website, FAQs or printed fact sheets)
Only sensible way for me to access money quickly was to close account, for which i was charged £25 to make CHAPS payment. Did this over the phone which took 25 minutes
security systems also v irritating - why long alphanumeric phone checks rather than just numbers as every other bank does?

I have been trying to move money from my Cahoot savings account using their online app. I'm told I can only move max £25k at a time but can in total move £100k in a day. When i tried to move £25k 2 days ago, I was locked out of the account and had to go through a lengthy phone call with their security before it was unblocked. I told them i would be doing the same amount each day for the next week and had to give them the details of my son's account, where he lived, the address of the property he had bought (for which my funds were being transferred to help) But today I have been again repeatedly blocked out. Each time I phoned their security, it took 30-45 mins to get it unblocked. And each time I then tried to make the transfer, I was locked out. Even though they require authentication codes sent to my phone when making the transfer request, their system prevents it. A useless bank. Owned by Santander, which I left several years ago over the same issue. I'm now closing the account. No apologies or attempt to sort things out.

No one answered and message directs you back to an account that you can not access your documents!!
Really dreadful behaviour!
It’s a great way to benefit from
Your customers money ! Shame on you !!

Account matured and Cahoot moved my money to a low interest account. Tried to move money out of my account and it requires a one time code which they do not send me. So I am prevented from moving money to a better account while Santander profits from my cash.

Pathetic service and if you try and contact they will try and respond in 3 days.

I have been locked out of my account despite having entered the codes correctly. I am trying to transfer equity this week and will not be able to do so. The equity will go to my x-boyfriend who will now be unable to complete on his flat sale, causing another lost property and several months of mental turmoil and breakdown.
The bank have not called me back and I have already spent quite a while on the phone today.
It is appalling I cannot access my own money and that so much at stake (transfer of equity and house purchase) has been forfeited because of simple incompetence from Cahoot.
I have been thoroughly fixed-up and incredibly let-down. I shall be complaining to the Financial Ombudsman if this problem is not fixed tomorrow (11/12/24). Cahoot are thoroughly negligent.

Santander should disown this company, they are shocking, tell lies and have caused so much stress. They tell you one thing and then backtrack when questioned. I couldn't get a simple statement. The app they use is Santander and is totally irrelevant to Cahoot. Put your money elsewhere even at a lower interest rate, trust me you won't regret avoiding Cahoot.

Despite offering great interest rates, the customer experience was awful! Something seriously glitchy going on with their application system claiming my identity can't be verified even though my details are all correct, address hasn't changed in a decade and credit score is excellent and record is accurate. Then was advised to send copy of ID via post that they then misplaced to wrong parent bank Santander which now can't be retrieved anymore - because it was filed with Santander, total lack of common sense and customer care to my time and effort making up for their incompetence. Absolutely shambles! Avoid! Not worth it! I raised a formal complaint that took 2 months to be called back instead of 48h, they offered 50£ for the inconvenience. Absolutely ridiculous. Do better cahoot, it's 2024 not 1994!

Really difficult to deal with. Both the email address and the secure messages don't work. No app or social media presence. Only a phone number. How are you supposed to contact them if you don't use the phone?

I'm amazed to see some poor reviews for Cahoot Bank. I've been with them for many years and find both the online site and phone access 100% excellent.
The Northern Ireland staffers on the phone are always polite and friendly and helpful. Nothing would make me swap from Cahoot for easy access banking. Every transaction with them is a pleasure.

Seems Cahoot is either hated or quite liked. We opened a joint savings account and all seems well. Yes, you have to wait for 2 letters to arrive with login details - 5 working days in our case, but I don't have a problem with that. I knew upfront it was purely browser-based (no app) and it loses a star because it doesn't render well on a mobile phone so pretty much restricted to access via a laptop.
My first test was to move money in then out of the new account - worked fine without any seeming transfer lag.
I was also able to personalise my login details over the temporary ones sent by letter, no problems.
It may have helped that the interface is very close to Santander online banking so was familiar to me.
Other than having to contact support (remember your credentials people), I'm struggling to see how other reviewers had so many issues.

I cannot work out that other people have had so much hassle or they did not follow the instrutions correctly I opened joint account early Sept 1924 had to wait for the letters that came seperatly day after each other I gues this is to verify your address as soon has I had the ifo that was in the two letters I completed opening the account all went well I made a phone call to cahoot to verify I had done everything was good and account was live I transferd £10 to check it out and then next day £100 all went well I have now continued using the account as normal with no hitch at all I have phoned the twice to check some things and found them very helpful I do what they asked me to do by using only One bank to trasfer money into and out of Cahoot a/c and I make any payments from the other bank which works fine Cahoot is not a High Street Bank .At the moment I have not single complaint about them but at the moment I have only been putting money and not taken any out but I will try today after reading the negative comments. I will post on here my result of this exercise.

Set up was easy.
Not used the account much yet.
So far all good.

This is my second review after it took nearly three weeks to even get the account open. Luckily, I only put a small sum in it as a test, and not my entire savings! Today I made my first attempt at paying someone from the money that is in there. Well, I have made some mistake and got locked out. I hoped it would just be temporary, and I'd be able to log in again later, but no, once you've been locked out, you've got to start again with the POSTAL login process that already took weeks in the first place! I made sure I had all the details to hand for an online reset. I got to the end, but it asked me to confirm my address to put the reset details IN THE POST! The login is ridiculously cumbersome, and almost designed to trick you into making mistakes and getting locked out. Then you've got to begin all over again BY POST. This faff is not worth the interest that may be due to me after a whole year. If I charged my time at the minimum wage, it has already cost more than I stand to receive.

Worst bank ever
Nothing but trouble since being with them.
I opened a account deposited over £1000
No problem !
Couldn't log into my account for 2 months , had to wait 3 weeks to get password stuff
That didn't work so had to wait another 3 weeks before receiving log on details, eventually it worked up untill today?? I deposited £150. All fine easy to except my money,
I logged in to check my balance was correct with correct login details, can't get in yet again ?? Unbelievable, got to phone and complain again on Monday, which I know I will have to wait again for all the pass codes, who needs all this, my daughter chose all the passwords and numbers as I'm old and she has access to these details as it's money I am saving for my Grandaughter, if I dropped dead there is no way she could get this money after all how could she,I can't get into my account,so she hasn't got a hope in hell. Need to close this account asap deposit with a reliable bank, can't believe Santander own this bank,that's the only reason I went with them as I am a Santander customer for years so steer clear

with drawing never no how loung it takes ie worst 3 days most of the time 2 days have only had instant onece this is not help full when you need to pay bills have to alow three days so i dont go over drawn on my bill acount chip is easier but less intrest but as i get three day loss of money siting no ware i think chip is beter