Cahoot Reviews 

Shocking customer service, closed my account in disgust. Impossible to get into my account, luckily I haven't used it for years. Do not seem interested in customer feedback.

Opened savings account 18 days ago, STILL WAITING for neccesary security codes. Tried the phone number on email twice,absolute joke. Kept on hold for 12 & 18mins. Taking my money elsewhere.🤬

Waited two weeks to get log in details for account. Tried to make a payment using the details and got message the details entered were incorrect. No way to contact them. Complete shambles.
If I could get to the money I'd close the account but they seem determined to not give access.
What a scam organisation!

It's like dealing with an organisation from the dark ages. The wife received separate letters to set-up her online account access which she did only for these buffoons to ask her to repeat the exercise after she had already created a new username, security number and password.

Now, she can't even access the account and remains on a zero balance and will remain that way whilst we look for a new account with a different provider despite having multiple accounts with the parent company.

Santander need to give their heads a wobble because the very poor ratings are for a reason.

Plain awful and avoid at all costs.

Absolutely shocking... billed as an online only savings account. It has taken over two weeks to get 2 separate letters with ID and Password (both arrived together with an elastic band round them)... Something then went wrong with logging in (dreadful website) and now I have had a message saying they are sending me more letters... AVOID

Terrible company, I have been trying to withdraw money from my account and they locked it. It now 4 weeks later and I still have no access, been told I have to wait 5 days and they will send a letter out with a new user name and passcode. I do not have any confidence this will work.

I recently tried to open an account with Cahoot but didn't receive the log in details through the post as stated, tried to obtain more details online but this didn't work, next I tried phoning the helpline number ( actually phoned it three times ) waited more than 20 minutes each time with no answer.
What a waste of time, just glad that I never managed to deposit any money.

They are impossible to deal with. I paid in a large sum of money and getting access to it was neigh on impossible. I got so fed up with them that I decided to withdraw my money but it took me more than two weeks to manage it.
They have unnecessary "protocols" which make dealing with them a nightmare.
I thought that as they are part of Santander they would be OK - not so

As I'm elderly I tried to bank online. Chose cahoot. No request for a new person log on or download of an app. .so looks suspicious.

Terrible, just opened a joint savings account with my girlfriend, the website is awful, I couldn't sign in the 2nd time!! Don't be lured by the interest rates.

All good. It was simple to set up. I have a short cut to the website account on my screen so just as good as an app. There's 2 stage authentication which is good and easy to use. Simple to transfer money in or out of the Simple Save and a good interest rate. Plus it's owned by Santander.

Set up a new account and waited for my log in details so i could use internet banking. No details arrived. Tried replying to emails but they go to no reply address. No way to email the company, all contact must be made via online banking. BUT SINCE I DONT HAVE THIS how am i supposed to set it up? Also i have had a notice that someone has asked to reset my log in. Potential fraud on my account? who knows as I cant access my account and cant ring the company as 24 hour support via online banking

UNABLE TO LOG BACK INTO THE NEW ACCOUNT AFTER THE FIRST LOGIN. I called the helpline number and waited 50 minutes to try and get this resolved. I had to give up. I'll try again tomorrow. Security login is not the best

Here to add my voice to the numerous other cautionary tales warning you to stay away from this bank.

Don't do it. Don't think about it. The interest rates are definitely not worth the heart ache.

The clunky interface is one thing, logging in is another. No mobile app so you're either using a mobile browser or your desktop. I knew that going in so I thought, not too big a deal. Sweet summer child!

The absolute worst thing is that you cannot generate a PDF account statement on the fly. No. In 2026, it takes at least a day (if you call them) or multiple days if you use the secure messaging system to request a statement.

All I need is a recent PDF statement with my name and account details. You can't even print directly from the transactions page. It doesn't show your name. Unless you take a screen shot. Let's hope whoever you need to send it to accepts that.

You'd think I was asking for a cure to cancer. Or a 2029 Tesla model. Every other bank simply allows you to click a button and download a PDF statement. Not Cahoot/Santander or whatever they're called.

If i knew they had this defect, I would never have kept my money with the bank. But its too late as I need to show a single 6-month account history.

Closing this account as soon as I can. And never dealing with them (or their parent bank, Santander) if I can avoid it.

I hate it. I made the mistake of being drawn to the high interest rates, but the fact logging back in when you forget the details means 2 letters and a stupidly long wait kills the entire thing. One of my accounts has apparently matured. I wanted to log in to transfer the money into my new saver. I couldn't remember my security code, so I went to reset expecting it to be simple because it usually is. Oh no, I have to wait for letters. I have one, the other has gone AWOL (it's been a week now!). I tried to log in again because maybe I could remember my code, but I've just read below that that likely means this second letter is now pointless. Honestly, I think I might just take my money and run the second I can get back in. I hate how archaic this is!

Edit: So, it's a few weeks later and I managed to get into my account after the letters. I've also safely managed to move my matured money to my main account. It was a tedious process, especially on a phone screen, but it worked. I've given them a few stars back. I still want an app, but they are more trustworthy than before. Just never lose your security number. You need it for everything!!

Recently opened a Cahoot account, seems I made a big mistake, judging by reviews I’m not alone
Had all my money sat in it earning interest and only taking out what I need when bills are due, got locked out of account and unable to do transfers, contacted Cahoot and now have to wait for another pin to be sent in post, had to get them
to manually transfer the bulk of money to another account early to pay bills, thus losing out on interest and defeats the whole object of having the account.
Not what I signed up for and seems they don’t even respond to reviews when things go wrong.
Cahoot… it’s a shambles Do better

Awful. Can’t access my online account at all. Two sets of letters with codes that don’t work. I am moving my money out when the next set of letters eventually turns up. Hopelessly outdated .

Over a month without access to my own savings – an appalling experience

I opened a Cahoot savings account more than a month ago and deposited a substantial sum of money. Since then, I have been unable to withdraw my own money because Cahoot has placed a restriction on the account pending identity verification.

I have now submitted the requested identity documents three separate times. The latest set was sent by Royal Mail Special Delivery, and I have confirmation that it was delivered.

When I telephoned Cahoot on 22 October to ask why the restriction had still not been lifted, I was initially told there was no record of the documents being received. Only after I insisted that I had proof of delivery did the agent acknowledge that they had arrived. I was then told that Cahoot needed more time.

I have spent an extraordinary amount of time on telephone calls, repeatedly explaining the same problem to different departments, including the security team. I have also submitted two formal complaints, on 12 and 20 October, neither of which has yet received a response.

I fully understand that banks must carry out identity and security checks. What I cannot understand is why a financial institution should be able to accept a substantial deposit and then leave its customer unable to access that money for over a month, despite repeated attempts to comply with its requirements.

This has caused considerable inconvenience, frustration and anxiety, particularly because I need the funds for an important financial transaction.

As of 22 October, my money remains inaccessible and I have been given no definite date for the restriction to be removed.

My experience of Cahoot's administration, communication and customer service has been extremely poor. I would strongly advise prospective customers to consider carefully whether they want to entrust their savings to an institution where accessing their own money may become such a prolonged ordeal.
Update – 22 October 2026

Following yet another lengthy telephone call, during which I was transferred between several employees and repeatedly had to explain the entire situation, I was finally told that my identity documents had only just been scanned into Cahoot's system.

I was informed that the documents would take another day to process and that, even then, the restriction on my account would not be removed until someone from Cahoot's security team telephoned me the following day and was satisfied with the outcome of that conversation.

No one explained what further information was required or why this additional verification had not been arranged earlier.

After more than a month without access to my own savings, three submissions of identity documents, two formal complaints and numerous telephone calls, I am still waiting for permission to withdraw my money.

I appreciate the need for security checks, but the delays, repeated requests and lack of clear communication throughout this process have been unacceptable.

I had a very disappointing experience with CAHOOT. I ordered a shirt expecting to receive the exact product shown, but I received a completely different design instead. This is a clear failure in product quality control and order fulfilment.

To make matters worse, when I initiated the return, I was informed that ₹100 would be deducted from my refund of ₹759 as handling fees, leaving me with only ₹659.

Why should a customer bear an additional financial loss when the wrong product was delivered by the seller? I did not make this mistake, so why should I pay for it?

This experience has seriously damaged my trust in CAHOOT. I expect a full refund of ₹759 without any unjustified deductions and a proper explanation from the company.

Please resolve this issue instead of making customers pay for the seller's mistakes. I would not recommend this experience to others.

Just everything appalling. Don't even consider it.