Cahoot Omdömen 449

New customers have to wait for login details in the post so I had to phone to check my savings account balance after my initial deposits, once for my small test transfer then again for my main deposit. They answered quickly and were pleasant to speak to. Bit old fashioned having to wait for letters in the post for online access though. Otherwise, all good so far.

Might end up eating my words at some point down the line but I actually found setting up my Saver account pretty straightforward. It's a bit laborious but no more than any other saver account I've opened in the past.

I opened a savings account for the interest rate, but what a terrible, terrible mistake. Firstly there is no app, so I had to use the clunky website for any transactions. My account was blocked on Saturday of the bank holiday weekend, after trying to move some money around, so I spent 49 minutes on the phone trying to get it sorted. I went through all the security checks (twice), was passed around to different people, then had to wait for a manager to make a decision. The decision was that I had to POST (yes, POST!!!!) copies of my photo ID and a bank statement and would have to wait 7-10 days before my account could be unblocked. It was like being taken back 20 years and furious doesn’t really describe my reaction - I can’t access my own money for what is more likely to be 2 whole weeks, considering I have to rely on posting documents on a bank holiday weekend. I completely understand that they’re trying to protect me from fraud, but seriously - there must be more efficient ways to go about this!!! What is the point of all the security questions if they have to resort to paper documents? Appalling, appalling service from the dark ages. I have already informed them that I will be closing my account as soon as they can get their act together e.g. blow the dust off the 27-page document I will need to complete by quill (in triplicate) and send it to me via horse and wagon. No doubt I will also have to send photos of me on my wedding day and a pint of blood. I can only pray that I will have access to my money before the end of the decade….

Opened an Easy Access Savers account based on the attractive rates but it’s like being back in the 90s. Awful interface, you’ll need a coin to scratch panels (think of lotto cards) to access security information via 2 letters followed by a website that is not even mobile friendly and is breaking all sorts of accessibility guidelines. I cannot believe that in 2025 a bank of any standing can be so digitally inept. Will the interest rate be worth it? I very much doubt it though if closing the account is as much effort as opening it they may have a better business model than I am giving them credit for.

Tried to log on to my joint account and my details worked ok but my husband's didn't. Now have to wait for new log on details in post. This is not the first time this has happened. I rang them to get interest rate info but the lady in Belfast wasn't helpful at all. She told me to just log on again and upgrade my savings account. So I tried that and guess what, I can't log on either. We don't look at this account often as it's a savings account but this is the only company I have had issues with logging on. So frustrating. Will move my money asap.

I successfully opened an easy access saver account with no difficulty. I had a welcome email with my sort code and account number within 3 minutes. It started to go wrong from there.
The email suggested if I had held an account previously I should call them to get the login details. They had my user name on the email so I remembered many years ago (10) I had an account with them. The call handler said that she had checked my account and it was blocked. I wasn't clear if this was my old account or the new one I'd opened. She passed me to fraud department to sort out the blocked account. Fraud said the new account was blocked until it had cleared all their checks. Fair enough I though. But then told me I needed to go to the Santander site to ask for my old login details. At that point after 30 minutes of trying to give them my money I gave up. From the reviews here it was lucky I didn't actually get the account

They are scamming me out of my savings,they will not return my savings after the 12 months is up,they keep saying security has failed. It has been the same codes I set account up with, they just want the money to stop in their account and give you nothing in interest.
Do not invest with this bank and Santander who own it, Pick Turpin had a mask, these just will not return anything, the people that answer calls try always to reject you.

I applied to open a new account around 7 pm on Monday. I received an email about an hour later confirming that the account was now open and that I could pay into the account. The following day at around 7 am I tried to transfer some money into the account and my bank would not allow the transfer. I tried twice to transfer and on both occasions the transfer was blocked.
Now that I have read all the negative feedback on trustpilot, I've decided not to bother.

Absolutely useless! Their website strips off account name characters leading you to think this will amount to a payment problem. Setup payee again still same but small payment goes through so go with the big one and account blocked. I should have known when it also went wrong setting up the account phone number that I shouldn't have bothered but I did and now have to present myself in person to resolve what is their problem!! Never banking with Santander/Cahoot again.

I created a new Day Saver account and deposited money on Wednesday smoothly. However, I am unable to deposit into another new Savings Account. Seems those accounts have been locked. I called customer service and know they are checking without any reason. What the??

No documents arrived ever. But they keep pushing me to put money into account but I wont ever be able to withdraw it.
I tried to complain but they said they have no complaint department and they said that they wouldn't escalate it anyway as they don't want to. SHAMBLES!!

Almost impossible to close the account. They tell you to reply to their message but there is no reply option you have to start again. No-one answers the phone - "call volumes are higher than expected"
I keep moving the last few pence and asking to close the account now it's empty but they take so long it's earned another penny so start again.

Can’t log on. Hopeless.

Cannot access my account online and despite calling at 8am this morning and being told wait time was 3 minutes I hung up after 20! They advise you not to wait but to go online - how is that possible when on line isn’t working?! Totally rubbish - Santander sort this out

Cahoot has terribly poor IT systems and business processes. Save your money somewhere else.

My experience: I applied for the Cahoot saver account, it took about a week to receive 2 letters by post with temporary password and security number, managed to login with these, and the system asked me to change them to new numbers. I did. After that I was logged in and could see my dashboard with 0.00 balance, but I decided not to transfer in any money just yet. Decided to try to log out and then back in again to see if it works. And what do you think? The new password and security number DID NOT work! The system simply did not save it. What a joke. Anyway, tried twice or three times and my account got locked - then I used 'forgotten details' option to request new password and security number. The message on the screen said two letters will be posted out to me. (Again!)
Two weeks later - no letters arrived.

I called to Cahoot and asked to close my account. The customer service person confirmed that an account closure letter will be sent to me by post.

Edit: It took exactly two weeks for the letter to arrive by post. It contained two duplicates of the closing account statement and two duplicates of the FSCS information sheet.

My fixed rate savings account has matured after one year and everything went well. At the outset I was given help in switching from a sole to a joint account. Whilst a little cumbersome it wasn't too difficult. I also received help with dealing with the balance left behind in the sole account. Overall the experience was reasonable.

Recently set up a savings account to temporarily park a lump sum. Sign up process was very outdated and submitted ID wasn't checked properly but did eventually get logged in to online banking.

A few weeks later I need to withdraw some savings to a new account of mine. This is denied. I explain everything over the phone, they get suspicious and don't get anywhere. Next day I try to transfer to a different older account of mine, succeeds, then immediately blocked. I then phone them up again, explain the situation, answer all their absurd questions. Eventually told to go into local Santander to verify ID, I go there, am told I've been given wrong info. By this point I'm blocked from logging in. Call back go through everything again and am told I have to send in 2 id's photocopied. I send this within a few hours with special delivery.

They receive this the next day, which they confirm. I've called many times since but they keep saying they can't help and I need to wait some unknown amount of time.

Do not give this "bank" any money! I've only been treated with suspicion and had my savings frozen with no recourse except a vague statement that they will process it at some point. Due to simply trying to withdraw funds to my own account.

I've banked with Cahoot since 2000 and earlier this year I received a letter telling me they would no longer be sending account updates by text to me as requested. Now I've tried to log into my account and they won't send me the code via text to access my account either so I have no way of accessing my account. Passive aggressive way of saying they don't want my business I guess?!

I opened a Cahoot savings account and was accepted immediately but had to wait for two letters, from memory one was a temporary user ID and one was a temporary password, if you need an account to open immediately and start saving this one's not for you but just bear this in mind before opening the account, it will be 10 days or so before you can logon and access it.

Once my user ID and my password was set up it's fairly simple to logon if a little bit cumbersome as you need the user ID, 5 digit security number and a mobile one time password which has eight digits which can can all be entered under case.

Once in the account it's the same as Santander as cahoot is part of Santander, the benefit of this account apart from the interest rates is you can send money to other accounts and not just your linked current account also the payments in and out are instant, other than having a lot of patience I think it works as expected for a savings account, hopefully the interest rate will remain competitive but will wait to see on that

Opened a savings account with them, and subsequently have had so much trouble trying to access my account on line (still haven't to date) I've decided not to trust any of my money with them, and let the account lapse. Haven't made any deposits, not being able to access my account, so no money risked, but the whole experience with Cahoot (UK) has been a total and frustrating waste of my time. My advice, don't risk your money with them.