Cahoot Avis 456

The company is owned by known scammer Manish Chawduary. He has a history of defrauding partners and multiple attempts to serve lawsuit has been unsuccessful. This seems to be a scam company setup for data stealing/spying on other ecom brands. Standard away.

Cahoot is the worst at opening new accounts. I wish I read the reviews before I tried to open the account .
It asks you to provide 2 forms of ID through uploading photos. It takes several attempts and then ages to upload these photos. When eventually they do, after a few days , an email advises there was a problem and refers you to an application hub. When you input all the required info, the hub does not work properly and it says you have to call a number- but it is busy. The clueless staff tell you the best thing they can do is cancel the application and start again. I did this all over again and after 2 days they send an email , but this time they want photocopies of the 2 forms of ID posted to them! This has wasted so many days and cost me money in lost interest so I gave up and picked another saving provider and the whole thing took only a few minutes. Avoid cahoot and Santander and go elsewhere.

No Login Details sent at all.
Opened an account on 26th Dec 25. Got an email telling me I'd receive 2 letters within the next 7 days with login details. Nothing on 15/1/26. Can't get through on their customer support line. The automated line tells me to "complete my banking via the website" - My call is about NOT being able to do that. It also tells me I'm in a queue and it'll take 15 mins. This is is not true. What sort of a person runs this bank? Why are they so rubbish? I wish I'd read these reviews first. What a mess of a bank!

Opened a new online saver account unlike most banks login details not generated straight away instead sent through mail. I eventually got details and surprise they didn’t work so got locked out of my account. Requested new details on 22nd December and surprise surprise still waiting.

In mean time tried to pay money into my new account but it keeps bouncing back - apparently account unable to accept credits which makes a savings account a bit useless.

So taken my savings elsewhere to a bank that is much easier to use.

Dreadfully poor customer service and outdated procedures

Well, I thought they can’t be as bad as everyone was saying, and the interest rate on the account was worth giving it a go. No they really are as bad as reviews suggest (and they’ve dropped the interest rate). My account has stopped working with an unhelpful “Sorry” message and there’s absolutely no way to reach them without calling but nobody ever picks up. “You are in a queue and your wait time is more than 20 minutes”. An hour later and nothing. Do yourself a favour - don’t give these people your money.

Cahoot blocked my account without warning after I tried to withdraw £5,000 and has refused to give me access to my own money for days. Their customer service is useless—no one can provide a timeline, and they keep saying it’s “under review''. Security Department can't help. It's now with the investigation team, who have not bee in touch with me. 72 hours & counting! AVOID!!!

I could not get.hold of anyone on the phone afte waiting 10 mins. the email.address used to contact me does not work. The website is a nightmare. I shall close my account.

Absolutely terrible - IT infrastructure from the 2000s. If you enter your password wrong 3x they lock you out your account for 7+ days and won’t let you access your money even over the phone. This is not in compliance with consumer duty, treating customers fairly and also vulnerable consumer legislation. I will close my account as soon as I can.

I haven't had any issues using the simple saver account - surprised by the number of 1 star reviews here. It's not a very sophisticated interface but for a savings account it's sufficient - just wait until you have received your login details in the post before transferring funds into the account. Without them, you won't be able to log in. I also had a query and was able to get through to them on the telephone very quickly, so happy with my experience so far. No issues moving funds in and out.

Opened a savings account and told would get login details within 7 days - shame that weeks later I’m still waiting for them and meanwhile my savings sit earning less than they could be

Clearly a bank in the dark ages that uses snail mail so I couldn’t recommend them to anyone

Terrible
Entered correct details
Next log on attempt said these were wrong
Now waited over a week to post new log on passwords
Can't withdraw any money soon as I can I will be leaving

Paying money in is simple. I tried to withdraw yesterday and it shut down the account. Over 2 hours on phone to sort out. I tried to withdraw money again today and it shutdown again. I was told I put in the wrong password which j know is not the true. I know have yo wait for 5 to 7 working days for a letter to arrive tk allow me to log back in. Instant access my arxe

Account set up is a terrible experience. Claim to be an online bank, but end up requesting paper copies of documents with sensitive data on to be sent through the post - at my expense. I’m meant to be doing them a favour by giving them my money - had a change of heart £ I’ll save elsewhere thanks!

Unhelpful arrogant bank. Customer services dreadful Website unusable, Account blocking with no reset options. Avoid this onlne bank. Informaion from customer servies inconistant ZERO rating is being polite negative rating would be more apporiate

Shocking this company have destroyed my life !! I have had no money for over a month as the on line banking is not fit for purpose and locks you out all the time despite entering correct details , had to go on holiday without any spending money and 2 wks later still no new logons , they insist everything done by post so NO access at all to any of my money at Xmas , unable to buy presents , Dds not paid , massively over drawn , no one ever answers the phone and the complaints number is dead !!! From 22 Nov until now 22 December 25 no access 🚫 no money. No Xmas for me !!!

Cahoot are making it near impossible for me to close my account.

I emptied it (zero balance) then messaged to ask for closure. Got a message back which asked me to reply, but there's no option to reply. So started a new message, got another copy paste message back, again asking me to reply, can't reply.

Have mentioned that I can't reply to messages (there's no option on their website) but keep getting asked to reply, keep having to start a new conversation.

They've taken so long to sort that now interest has been paid and I'm back to having a balance and needing to empty the account (back to square one)

Stay away from this one.

I opened an online account, deposited my savings, but then had forgotten my details. No, it’s not just as easy as forgetting a password. They give you a username which is a serious of numbers, a security code AND a password. You don’t even use the password to log in which is ridiculous. I forgot my details so had to wait for a letter in the post, which took a LONG time to come. When I finally got access, the website did not ask me to reset my security code, so therefore I was locked out AGAIN, as the temporary security code would not work. Now I am going through this process again, cannot access my money, as the online support can only send letters and are unable to help. As soon as I can access this scam website I will be withdrawing all of my money and recommending others to stay far far away.

I opened a Sunny Saver easily but when I tried funding it by a bank transfer the money was returned. I wasn't sent any email to tell me why. The account details matched as my bank verified them so it wasn't that. Searching online for a reason brought me here where I can see the awful reviews. I'll not be using the account now.

A couple of months ago i tried to open a 'simple saver', but Cahoot opened a 'sunny day saver' in error. I wasn't too worried as it was a better rate so i saved the maximum allowed in that account and reapplied for a simple saver. Despite them already having all my details (obviously) and an online option for account holders to open an additional account, i had to enter all my details again. That was a couple of months ago. Three weeks ago i rang to query and was told that the second account HAD been opened, but that it was not showing on my dashboard because my details did not tally with what Cahoot already held. The CS rep dictated a letter for me to write, confirming certain personal details and asking Cahoot to combine the two accounts. I wanted to put in a complaint because of their application procedure, opening the wrong account and not bothering to tell me of the problem etc. But the guy essentially refused, saying there was no point as he had spent a long time on the phone with me (not to mention my time and expense!) and had solved the problem. I sent the letter he dictated 3 weeks ago and have heard absolutely nothing and my account is still missing from my Home page. Seriously poor service all round.

Be careful.

I opened an account and paid a large amount of savings in. No problems. Then I tried to make a withdrawal. Immediately the account was blocked. Agent said it would "take up to 5 days to be unblocked or even longer". No specific time offered and the only way I can find out is by keep trying.

When I tried to complain, the agent said he was the complaint handler too and that my complaint would be rejected.

So not only do you lose control of your savings if you use Cahoot but there is no separate complaint handling system either. I've never come across a bank like this.