Cahoot Avis 

I would give zero stars if I could. The online banking system is outdated and clunky. Customer service is terrible, they don't bother to reply to messages. I have been trying to close my account for 9 months. Avoid.

Trying to log in to my account on my phone is almost impossible - the text sent as the 2-step authentication is so long and complicated that you can't memorise it and insert where required :(

Well I’ve been a customer for about a year, I’ve never experienced any issues whatsoever, it all seems pretty straightforward, transferring money in and out, and receiving monthly interest, I really am surprised at the large number of poor reviews that Cahoot seems to have attracted… I have had no problems….

Opened account online - took 3 days to get an email with account details and said I could put money into account. Tried twice to put money into account and twice the money was bounced back with 'Account unable to receive credit' - this caused the sending Bank (Barclays) to blow a fuse and block my account. Rang Cahoot and was told that new accounts have a temporary block which will be lifted 'at some point'.
Unable to know when the block will be lifted, unable to know when I can put money into account until notified of online access details by post - which could be 7 to 10 days. In the meantime I am losing Interest (in more ways than one). Absolute shambles. Do not use Cahoot unless you have money (and time) to spare.

Locked out of my savings account and absolutely no way to reinstate, other than to wait 6 working days for post to arrive with reset instructions and codes. Day to day account (different provider) is overdrawn and accruing charges until such times that I can transfer funds again. Antiquated Cahoot software with limited recovery systems. Once sorted, I will be transferring my savings to another provider!

This company is a disaster.
Today is 21st April.
I have savings with quite a few institutions and all have given me interest statements for last financial year so I can complete my tax return - bar one - Cahoot. They don't mention interest at all and some operative called Kris seems to think this is OK and refers me to my Account Summary document (which is silent on the subject of interest)
Steer clear. I'm going to move my money.

I can't remember anything negative upon opening my account last year. I don't use phone but a PC or lap top to log in. I have never had any problems whatsoever in withdrawing money, paying bills or transferring to my bank account. I felt I had to review having seen all the negative reviews. I can hardly believe what I'm reading! Cahoot have great rates and straighforward banking imo

Absolutely useless website with no app. Pathetic for a supposedly modern bank using current technology.
Once I can actually connect to the website again, I will be closing my accoutn with this rubbish bank.

No idea what other people are talking about! Easy to sign up, easy to log into account, don’t need an app, instant transfer, love them!

Wish I had read reviews before I opened an account. Ive been with Santander for years so assumed Cahoot would be ok. How wrong was I. 2 weeks on and still can't get access to see money in my account. Locked out because I entered wrong code from their letters. Now I have to wait another 2-3 weeks to try again. Totally useless bank and as soon as I get access to my deposited money (which they accepted no problem!!) I will move it to a decent bank

With them(Simple Saver Issue 13) for only 3 months before closing account.

Difficulty in accessing website. Final straw was the reduced interest rate.

I applied for an account, a week later they said I needed a different proof of address. All fine, I sent that and was accepted. They sent the letters with the temporary password and number. The first letter came 3 weeks later, the second never came. After several calls with customer support, we agreed they should be resent. They both finally came 10 days later. This was over 1 month after they sent the first letters. I then tried to transfer money in, nothing happened. Turns out they wanted even more documents for the anti fraud, and I needed to upload to the 'document upload hub'. I tried several times but was told my details didn't match when I never had any issues with customer support identifying my account. After 30 mins on the phone I was told the person that can provide me with the correct OLA number had left for the day. I rang the next day, and after another 30 minutes I was provided with an OLA number that didnt work.

I applied for the account on the 2nd of February. I gave up trying to give them my money on the 26th of March. Terrible company, the customer support staff were very nice though.

I signed up for their savings account today and have already made several transactions that all went smoothly. I'm happy so far.

Cannot fault the people who work there, it is not their fault!
The systems are terrible apparently it's fine to not be able to offer a statement for your account for nearly 48hours when every single other bank, including their own Santander, offer it instantly online. Archaic and cost me dearly with mortgage rates rising daily.
Safe to say will be closing the account and st only advising anyone I know or who is fortunate to read this before opening an account...don't do it!!

They have been holding onto my month for 3 weeks now Taking over a week to nail out new security details Awful customer service and stalling techniques

Wouldn’t bother, you’ve more chance of getting into Epsteins files then you have your own bank account.

Unable to login to my account here.

I agree with others that their online presence is extremely outdated with no mobile app and a website which is reminiscent of an old Santander interface from 20 years ago. Many of the tabs are no longer relevant and there is only the desktop version so not easy to navigate on a mobile phone. I've not had cause to phone them so can't comment on their customer service. So why 4 stars?? Simply because they are owned by Santander giving financial muscle and security and they offer some of the very best market leading interest rates for savers like me. I'm a realist prepared to accept their weaknesses and lack of investment in apps/website in exchange for a good return on my savings. I have found that Cahoot transfers to and from my Santander current account happen immediately but can't speak for transfers to or from other banks.

What a racket Cahoot are!
Seriously, been locked out of my account twice. Had to wait nearly a week for a
reset number! Then, still got locked out of account.
Do not and i repeat! Do not bother with these cowboys. Customer service is non existent and they run a business like back in the 80's
Luckily, i only started my
account with £5, which they still have!
Awful

Just received an email from Cahoot to say the interest rate on my account will be dropping. The reason listed for the drop was 'we are reducing the rate due to the rate drop we received'. There has been no BOE rate drop. Funnily enough the Santander mortgage rate I'm on didn't drop.