Cahoot Omdömen 449

A complete waste of space. They provide false and misleading written information. I was provided with a sort code and account number and was informed you can start paying money in. Completely false and untrue; Santander Bangor North Wales Branch tried and failed, so did their fraud team. You are without doubt an abysmal organisation without question. Complaint being sent to Financial Conduct Authority!

They have some of the best available interest rates for savings account with no withdrawal fees. I wish they had an app though and did have some isseus with getting sent codes to login, but overall I was satisfied and reccomend their savings accoutns to my friends and family.

I've used cahoot for years, and they've been solid and reliable.
However, I noticed that all the customer specified account alerts have been removed. I messaged cahoot. I received this reply:

"Some alerts are no longer available. From the 12/05/2025 we stopped sending the following alerts to all banking and savings customers:
Balance falls below limit
Deposit greater than a set amount
Debit greater than a set amount
Balance goes above limit
Weekly balance and transactions.

The business has made a decision to remove these as all this can be checked and viewed by actively logging into your online banking.
We will still send alerts that are a regulatory requirement.
We also no longer send email notifications for secure messages.
We would ask that you keep and eye on your secure messages for any replies that you may be awaiting."

I strongly feel that the business has made a stupid and selfish decision that doesn't help customers. They are now totally pushing all responsibility onto customers to check their balances every day. This isn't always convenient.
They have the IT infrastructure in place and are choosing NOT to use it to help customers, eg, alerting them about aspects of their account.
I am concerned that cahoot are no longer a customer-focussed business.

I Have Banked with Cahoot for over 20 Years always had my salary paid in and not one single issue ever,
yes a mobile app would be excellent, but as im on a computer 5 days per week i dont have issues
cannot for the life of me see were everyone is having issues

Tried to open a savings account jointly with wife. Completed the online form, was then asked for further imformation which I sent. Then wanted printed copies which I posted to them. After 4 weeks and not hearing from them I rang up. Had a hopeless conversation whereby nobody knew anything. I think I will use Virgin money instead!

Old fashioned and no app, but decent rates currently.

Tried to open an account most sceptical when they wanted the money before I opened it they're asking me a deposit I wanted to make and then asking for the money. They wanted photo ID passport driving licence Which I don't process, I thought it would be easy as they were part of Santander Which I have an account please avoid save yourself some time

I wish I had read the reviews before opening an account here. It took 8 days from opening my account to receive the two(!) letters to even log into my account online. First of all, who even uses physical letters in the 21st century??? There's also ridiculous amounts of checks and details you need to remember; username, security number, password (that you never even use?), some other random information that I don't remember what they were used for. Then there's also no mobile app, so the only way to check your account is to log in online. I tried to log in a second time and my password was apparently incorrect?? To top it off, resetting the password requires waiting for a week for two carrier pigeons to send physical letters again????

Trying to sort out online banking has been excruciating. Now a month since I open account and can’t access. Twice it has refused to accept my password. Each time I have had to wait a week for two separate second class letters. And still not sorted - helpline did nothing just sent another set of letters. I’ll close account if no success next time

Same reasons and others.
Locked me out. Waited a week for 2 letters.
Logged in and changed passwords. Wrote them down. Tried to login and said incorrect details. Still waiting for the second lot of passwords in the post to try again.
Meanwhile the new savings account i have opened with another provider have closed my account because I haven’t been able to transfer my money over within the deadline.
Cheers Cahoot!
So at present my money is locked away from me!

An extra star earned for their comedic value 🤡. These clowns have locked one of my bank accounts for being dormant along with my money deposited in there. Fair enough for security reasons if I’d gone off their radar, but I have three other bank accounts all on the same login name and credentials that I can happily use. All four bank accounts are there when I login on the banking app but one is locked ! To re-activate the blocked bank account I have to send in two forms of ID. Surely if I can use the other three accounts I can’t have gone off their radar for the fourth account? Or is Cahoot making it awkward for me in return for not using one of my bank accounts for a while ? So, an extra star added for their comical parody of 1990’s tech.

Opened an online easy access savings account. Waited a week to receive 2 additional security letters. Followed instructions to access account and was able to log on. Logged off and tried logging on again several times. Each time advised "invalid details".
Phoned helpline. Agent (who was very helpful btw) advised account blocked due to too many failed logon attempts. Agent offered to send another security pin via POST (so another 2-3 days).
Gave up.
There's security, then there's not wanting your business.
Congratulations Cahoot, you've just lost a customer.

**After this I went straight over to Kent Reliance, applied for a new savings account and after receiving the usual confirmation emails, I was able to log on. This was all completed in under 5 minutes**

Cahoot wrote to me to withdraw their banking services for no reason. I had banked with them for 25 years, never had any unauthorised overdraft. They refused to give a reason. Then they freeze the bank account so I cannot pay in or out prior to the date they gave to close the account. Appalling does not get close to describe the incompetence and their abysmal service.

Cahoot was an excellent bank because of its customer service standards.
When it found out what was going on it seems that Santander were furious to discover the mutiny that meant Cahoot customers were not ritually punished as niusance callers, using excessive telephone queues to discourage them and, if that didn't work, delivering them into the hands of untrained unintelligible staff like the rest of these despised supplicants. This abberration by cahoot has now been corrected and the offending staff removed.

Terrible customer service. Sent an alarming email saying I need to take action, but "Sorry, our agents are still unavailable to take your call. Please continue to hold or complete your banking via the Cahoot website" - If I could get onto the sodding website I would. No indication of how long the wait will be. Either employ a lot more "agents" or make an email or other method available. Strongly advise - do not use Cahoot unless you have nothing but spare time and aren't that worried about your money.

"Sorry, our agents are still unavailable to take your call..." And this after Cahoot sent me an email telling me "you may need to take action". How many agents are actually working for Cahoot during office hours? Two hours of my time stolen over two days! Banks and other services should be made to compensate customers for wasting their valuable time.

Opened up savings account Never received my security code and tried calling gave up after 40 mins !!!! Awful Luckoily i couldnt put any funds into it

In summary, the bank imposes charges on customers for account rest periods and heavily relies on the postal service for all operations. This reliance almost resulted in me falling into rent arrears.

While I would have preferred to provide a more favourable customer service review, the bank’s initial interest rate was quite reasonable when I established the account. However, their account recovery policy is highly inadequate. I inadvertently made an error in logging in to my account by entering the incorrect security number, believing it to be different.

The following day, I promptly contacted Cahoot to request account reset. Initially, they assured me that I would receive the necessary documentation via post. I patiently waited for approximately a week and a half without receiving any account recovery documents. Consequently, I contacted Cahoot again to request an update.

During the phone conversation, I was informed that the postal service had misplaced the documents, although I believe they may not have been dispatched for legitimate reasons. Subsequently, I was informed that I would need to provide identification to access my account.

Initially, I was perplexed and somewhat irritated that this information had not been provided during my initial call. The explanation given was that something had changed since my previous call, but they were unable to disclose the details. This situation left me quite confused and slightly annoyed.

In any case, I could provide them with identification as I had previously offered to do so. I suggested sending them scans of my identification to their email address. However, this is not their policy; they insist on sending the documents by post. Therefore, I asked for the address and asked the advisor to confirm that this would be a free postage address. I received a partial response, but it was not a free postage address in the end. I paid out of pocket to regain access to my account. To be honest, this is unacceptable customer service, as customers should not have to pay out of pocket to regain access to their accounts, even if it is only a small amount. As a student, I do not have ready access to a printer, so I was fortunate that the library staff were gracious enough to print out my identification on their time and money.

After I sent all the required documentation, I had to wait again for the documents to allow me to log in and receive them. By this point, it had been four to five weeks since I had originally needed the money in the account, and I was close to being in rent arrears due to not having this money. Fortunately, I did access the money before my rent was due (but only by a couple of days) and did not fall into arrears. When I discussed this issue later on the phone with customer support, I did not get the impression that they particularly cared about this fact. The last time I phoned customer support, I stated that I would like to make a complaint to the bank’s internal complaints service, and I was told that I would be called in a few days to further discuss the complaint with an advisor.

Several days later, I was contacted by an advisor. I anticipated a detailed discussion of the complaint before seeking a resolution. However, the bank had proceeded directly to the final stage of resolution during my absence. I was only called to receive the contents of the letter they had sent to my address.

In my letter, I expressed my surprise that the bank had disregarded my concerns and opted to communicate directly with me through the letter. I indicated that if I wished to escalate the complaint further, I would do so through the Financial Ombudsman rather than pursuing an amicable resolution.

The bank’s response regarding the incident stated that an internal security process had been triggered between the initial call to reset my account and the subsequent call for an update. They declined to disclose the reasons for this process due to their security and privacy policy.

Additionally, I inquired about the bank’s policy of requiring customers to pay for postal document delivery, which could have been easily accomplished via email. The bank reiterated that this was their current policy. I expressed my dissatisfaction with the bank’s handling of the situation and suggested that they consider revising their policy to align with the technological advancements of the internet, which has been in existence for over 25 years.

I conveyed my dissatisfaction with the bank’s treatment and indicated that I did not believe it would be worthwhile to escalate the complaint to the Ombudsman unless it resulted in a policy change that would benefit more customers.

Re- Opened an account very easily today and impressed that it remembered my old login details so no need to go through account re- opening process again . As it’s owned by Santander I feel very satisfied

Dreadful bank! Something as simple as requesting a hard copy bank statement, not to mention a bankers reference which you pay for, is beyond their capabilities. Now due to time constraints, I am having to pay £500 to expedite a legal matter that could have been avoided had they been halfway competent.