Cahoot Avis 456

Worst experience of my life with a bank. After almost 2 months they state they cannot open an account for lack of proof of address and ID. I sent them over 10 documents, some of which directly coming from the government (council tax, right to live and work in the UK, driving licence) and still, to Cahoot, all this is not enough. INCREDIBLE. UNBELIEVABLE.
I've now given up and opened an account elsewhere, in 30 minutes.
Never ever again.

Easy to setup account and offering much better rates than the big banks. Had to wait 4 days for 2 security letters to arrive but clear instructions made account setup simple. Transferred funds to Cahoot and they appeared immediately in my account. Why can't all finance transactions be as simple and quick; they should be now given computer to computer transfers.

Just opened a sunny day Saver account
2 letters arrived with log in details you have to scratch open boxes to reveal log in details very crude in my opinion anyway tried to log in with the numbers letters
got to entering a password then went to proceed it went back to log again which I couldn't do as it never allowed me to create a security number very frustrating will ask for my deposit back and close the account
this bank needs to get up to date with login procedures like it's sister company Santander
Don't waste your time with this bank.

Online PIN doesn't work. Locked out of account. Until new details arrive by post no ability to move funds at all. Complaint instigated but attempt made to dissuade me from doing so - gaslighting on steroids by the customer service representative! A dedicated complaint handler will be contacting me (although previously advised they don't have a complaints team)!

Terrible company. Account set up by wife and used for pyramid sales that did not work. I closed the account with her paying off all that Cahoot stated - however as a few days after statement a few pennies were left.

Fast forward about 10 years or more and Cahoot are asking for outstanding balance from my late wife's estate. Disgraceful for a handful of £s.

Avoid if you can and their parent company Santander who allow this to happen.

Awful systems & customer service. Never again.

Opened account and never been able to access online banking as code never arrived to my phone. Eventually got through on the phone and told there had been a mistake and my mobile number had been input one digit wrong. They couldn't change it because I don't have a landline, but if i wanted to ring up a month later they could? Needless to say I closed the account.

I have just opened a new account with Cahoot after closing an old account some years ago. They have some very competitive savings rates, but unfortunately the account opening process has not progressed with technology and is archaic compared to the competition. It took over two weeks using snail mail to gain online access to my account. I then wanted to open a further Sunny Day Saver account and found I had to do the same new customer application process again. It feels like they have not invested in their business processes in since I first had an account with them over 10 years ago. Four stars for the interest on offer, but two stars for the customer experience. Come on Santander, you can do better!!

I had difficulty seeing up my Easy Access savings account (as recommended by Money Saving Expert) due to an issue with changing my security code. After speaking to one of their very helpful customer support people, I eventually got access.
I have, however, been very disappointed with the fact that there is no phone app and the transactions pages are in no way mobile aware, meaning I need to get my laptop out to perform any transactions, as well as having my phone available to receive the several OTPs you are sent during any transaction process.
I'll put up with the abysmal interface for the relatively high interest rates but will not be sticking around at the end of my Introductory 12 months

Easy to use website and great interest rates.

I assumed an online account would have an app, but no. It's a website with tiny writing so difficult to read on a phone, The second time I logged on (after having to wait for a week to get login details in the post) it wouldn't accept the PIN which I had only set an hour before. I followed the procedure to reset it and now I have to wait for another letter in the post! I couldn't believe it! I opened an account because the interest rate is really good but I'll look elsewhere.

I applied for a Cahoot Simple Saver account. After completing all the details online, I was told that my account is now open but before I could access my account, I would have to wait up to seven days for two letters which would arrive separately. In these two letters would be my security number and temporary password. It was twelve days before the two letters arrived together.
After nine days and eleven days I phoned Cahoot to say I had not received the letters. They told me they could send two more letters but if the first two letters turned up in the meantime, I would not be able to use them and would have to wait for the second pair of letters, so I decided to wait a bit longer for the original letters. Sure, enough they were delivered together the next day, the 12th day. I phoned up twice and both time my call was answered immediately.
On my mobile I repeatedly tried logging on but I kept getting error messages such as, “there has been a technical error” and I was just about to phone up when I decided to try it with my laptop and hey presto it worked first time.
So, after a shaky start I am now up and running with my Simple Saver and Sunny Day accounts but not on my mobile. I experimented with depositing and withdrawing money and all worked well. So up to now I am very happy with my Cahoot account.

Been a customer for 25 years.now there services are absolute rubbish.
Closing my account .there are much better online banks out there.
Sad really

Couldn't recommend highly enough
Ashley was fantastic

Interest rates are good but no app?
They're owned by Santander who have a great mobile app - surely it wouldn't be hard?!

Signed up after Martin Lewis recommended.

If you’re a Santander customer, it’s EXACTLY the same as online banking on the web (not app) with them.

Easy to log in, easy to transfer money, easy to manage the platform. (Exactly the same as Santander, but in purple).

Shame they don’t have an app, but I’m sure it will come.

I found setting up and using easy. The interest rates are good and you simply go on the website and apply for an account. That took only a few minutes. I got an email confirming the account details. A few days later I got two letters. One with a temporary password and one with a temporary number. Yes you have to scratch off to reveal these but that is hardly difficult. I then signed in and set up my passwords etc. Its been easy to send money both to and from the account. Signing in does need a code being sent to your phone but the overall online system is very similar to the Santander one. I did send a secure message with a query to customer services and got a reply the next day. Overall I've had a positive experience so far.

Awful bank.

Terrible user interface / user experience on their online banking.

Endless waits on their fraud line, during which you're locked out of your own money listening to insulting messages about how you can "save time by using online banking" — when the only reason you're calling is that they have locked you out of online banking.

I would not touch this bank with a barge pole in future. Avoid avoid avoid.

Did I forget to say "avoid"?

Avoid.

I wish I had read these reviews before opening a savings account with Cahoot. Like others, I have been locked out of my account for apparently entering an incorrect pincode (I don't think I did). I have been sent new codes by post, but these will take 4-6 days+ to arrive. I can pass security on the phone (they have confirmed this) but they will still not allow my to access my funds.

I recently opened a savings acount. I've transferred money in to it, but I have no way of verifying if they've received it as their online system wouldn't accept my phone number. I think I know my number. They advertise a free phone number but it's always 'temporarily' out of action. All I want to do is confirm that they've got my money. Give me strength.