Cahoot Avis 

If i could go back i would never pick them again. Their security system to get onto online banking is THE WORST. Basically every time i want to check my online banking i need to wait 10 days for them to send me 2 letters to log back into the account. Save a new password and the... IT DOES NOT SAVE! I put the code THE JUST gave me for the second time and i get blocked out for too many tries? Well that another 10 days of me waiting for 2 letters with new codes! What a joke! Outdated is a compliment to say the least!

I opened a new account with Cahoot, but I never received the required security letters to log in. Despite requesting them multiple times, nothing arrived. I then sent a formal letter of complaint regarding this poor service, and it has been completely ignored. Extremely disappointing experience; their customer service and communication are virtually non-existent.

Would recommend. Instant showing of deposits in savings account. Slow to reduce interest rates after BoE cut. Instant receipt of withdrawals to nominated account.
Just a pity they only offer for a year as would stay with them. Hence 4 stars instead of 5.

The plus is a good interest rate and real time withdrawal (no waiting for 24 hours), the down side is a terrible dull Tetris 1990s interface, no easy way to close accounts, multiple obscure methods of contact from them, difficult secure messaging, no chat window...the list goes on.

When I sent a complaint, they were not interested...

Just went through the sign up process to open a savings account, various stupid questions then uploaded ID etc, got an email to say account is now open but can't use it yet, they will send 2 letters in the next 7 days, one with password and one with security code. From that experience alone it's clear to me that their whole system is clunky and years out of date. I've only now just read the reviews and had already decided not to open the account when the snail mail letters arrive.

Spent 30 mins trying to get through to customer service on several occasions when the call centre should not be too busy. Impossible to contact. Will try going to a Santander branch. This is for a Cahoot savings account.

Don't put your money in this bank if you want it back. Logging in is almost impossible, they are a nightmare to contact and god forbid if you want to login after hours

Avoid! Application process is just ridiculous. They keep asking repeatedly to upload documents. Ten emails so far saying we have got your ID and a proof of address followed by requests to upload those again and again.
I am making a complaint demanding compensation for lost time as I spent whole day communicating with them without any progress. They should not be allowed to operate a bank. Complaint to the Financial Ombudsman next.

NEVER ASWER PHONE,NEW ACCOUNTS ARE FLOORED WITH ERRORS.I would give zero stars if I could but here goes,I opened a new cash isa account as there interest rates were competive, however because its a new account,an error in recognising the mobile number recorded by cahoots security systems completely froze the account and a new security code will be issued through the post,still awaiting the letter so I will wait in anticipation so I can finally log on.when finally speaking to an advisor after 2 days of trying the staff member said this happened because its a new account buy not sure why the system did not reconsile and match the telephone numbers.Please be aware before you open a new account,customer service is slow and problems with the security log on.

Trying to open a new account on line, wanted an answer to a simple question, phoned the helpline number, was greeted with the usual response that demand was greater than usual and the waiting time would be less than 15 minutes. After 22 minutes I gave up, as a possible new customer this level of customer support has left me in no doubt that I would be better off going elsewhere.

Set up savings account approx 6 weeks ago and stupidly transferred money into it. I received my on line banking details, but couldn't get logged on. My 2 login references weren't recognised. I went through "forgotten password" process and had message advising new login details would be sent within 4 days. That was a month ago - nothing received. So, they have my money, I've since transferred more under a standing order, and I can't get to it. I've had to go through the "forgotten password" process again today. When / if I do eventually get logged on, I'll be emptying my account and moving my money somewhere accessible and reliable. I went with Cahoot because they were recommended on a reputable financial advice website, but I assume the recommendation was based entirely on the interest rate, not the bank itself. Be aware of this if a savings account looks attractive to you.

I have accounts with Cahoot and its parent company so I should know better. Cahoot is an old clunky system that is poorly designed just like Santander. One example. OTP notification is really flaky - read the reviews. Yet they dont even give you the option of a different method of verification. Once they have your cash they dont care. Being a Santander customer I have low expectations but they never fail to underperform. Yes - I am moving my money out once I can get into my account! Tried five times today but no OTPs being sent! Stay clear. Obviously minus stars if I could.

Absolutely horrendous please do not bank with Cahoot. I set up a savings account every time I log in I end up blocked out of my online banking. I was told I would receive a letter in the post to reset this, it took 7 days to come out in the post and the password they sent would not work. I have been trying to access my own money for weeks now to no avail. I’m absolutely disgusted at this company and there customer service on the phone was terrible the line kept ‘dropping’. If I don’t get access soon I’m going to seek legal action through Financial obusman as this is horrendous. I had a large bill to pay which I accidentally sent to this cahoot account and now I’ve over due it’s caused me significant issues please avoid at all costs.

Bit surprised overall rating is so low. I've had a simple saver since last September. Rate was the best at the time for an easy access product and is still one of best. Rate from September last year has only recently been reduced and they give you two months notice. This is far more than most providers. This is a major USP and Cahoot should make more of it. Easy to manage account on laptop. Never had need to try on phone. Spoken with them several times by phone and service was as good as with any other provider. Interest rates permitting, plan to stay with Cahoot.

Very odd opening procedure for a savings account. I’m a customer with Santander yet Cahoot want to know a lot of information about income (why? I’m just asking for a savings account, not general banking); they insist you have to enter a monthly sum you’ll be depositing (why? I’m making a lump sum deposit); and then they don’t even actually open an account, just give you an application reference. Bizarre. In contrast, just a few hours earlier I opened a savings account with the Post Office (at only a tiny bit less interest) with no intrusive questions and that was activated instantly, so I’ve already been able to deposit a very large lump sum into that one. If I ever hear anything from Cahoot now, I’m not sure I’ll be bothering to go forward with the account.

Shocking customer service - nobody answers the calls for thirty minutes then when they do they obviously have not been trained to deal with problems that are more than basic in nature. Emails go unanswered and I have tried updating my addrsss for four years and they still can’t do it. I am now without a debit card and will be closing my account

closed my account years ago but I get emails I can't unsubscribe my account: S M C They don't answer the phone. They provide no email address.

Wanting to complete a house purchase so need an agent. Currently waiting over 40 mins.

Great interest rates on their Sunny Day Saver, I just can’t access my account now. I changed the login details to my personal ones but can’t login now. Will have to contact their customer services, which I am not looking forward to going by reviews if waiting times. The fact they don’t have a banking app is ridiculous nowadays. Not easy to use at all!!!

Service is ok no problem. BUT introduces newer issues of savings accounts at a higher rate of interest, leaving existing customers at older, lower rates of interest. Customers need to constantly check, and request that their savings accounts be updated to the newer, better savings rate issue!