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.
Overall: ✔️ Good for no-frills savings/credit ✔️ Reliable for direct debits and transfers ✔️ UK customer support ❌ App feels old compared to Monzo/Starling ❌ Rates aren’t as competitive as they once were trustpilot cahoot
Customer service is UK-based, which I appreciate. Wait times on the phone can be 10–15 minutes sometimes, but the staff are helpful once you get through. I had a fraudulent transaction last year – Cahoot sorted it within 3 days and refunded the money without hassle. Would I recommend them
The web interface works fine for basic things like checking balances, moving money, and paying off the card. However, the mobile app feels a bit dated and lacks some features you’d expect today (e.g., instant spending notifications, biometric login was glitchy for me at first). The web interface works fine for basic things