Trustpilot Cahoot -

. Review Title: Competitive Rates Hampered by Frustrating Technology and Poor Support Rating: ⭐⭐☆☆☆ (2/5) Overview Cahoot remains an attractive option on paper due to its competitive interest rates on savings products, often appearing in MoneySavingExpert top-pick lists. However, the actual user experience is marred by an aging digital infrastructure that many customers find "not fit for purpose". The Onboarding Struggle Setting up an account is frequently described as "exhausting". Verification Issues: Multiple users report having to send identification documents, such as passports, several times because the system fails to recognize previous submissions. Security Delays: The process often relies on physical mail for security letters, which can take several days to arrive. Online Banking & UX The primary interface for managing your money is a significant pain point: Usability: The website is consistently flagged as difficult to navigate, with essential information often hidden or hard to find. Technical Instability: Frequent lockouts are a common complaint. Customers have reported being unable to access their funds for weeks because the login system fails even when correct details are entered. No Unified App: Despite being a part of Santander, Cahoot operates on separate, older systems. You cannot use the Santander app to manage Cahoot accounts. Customer Support & Safety Communication with the bank is difficult, which is concerning for a financial institution: Accessibility: There is a notable lack of modern contact methods, like a direct customer service email address, leading to long wait times on the phone. Security Measures: While the bank is fully regulated by the

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I’ve been with Cahoot for a couple of years now, mainly for their easy online savings account and credit card. Setting up the account was straightforward – all done online, no branch visits needed. Their interest rates used to be very competitive, though they’ve become less standout recently compared to newer digital banks. The Onboarding Struggle Setting up an account is

Would I recommend them? – if you just need a basic online bank or a backup account. If you want slick app features and real-time spending insights, look elsewhere. Online Banking & UX The primary interface for