back to listing back to FAQ
general
how do I contact you? content collapsed content expanded

The best way to contact cahoot is by secure email from your online banking homepage. Alternatively, you can call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). You'll need to answer some brief security questions to access your account information. 

Or you can write to us at: cahoot, 1 Mays Meadow, Belfast, BT1 3PH

can I use my debit/ credit card abroad? content collapsed content expanded

You can read our tips for using your debit/ credit card abroad. If you intend to use your cahoot debit/ credit card abroad please send a secure message to let us know the dates you'll be away and the countries that you'll be visiting. We'll then know that any transactions made are genuine.

what's the 'Current Account Switch Service'? content collapsed content expanded

It's a free service that lets you switch your current account from one participating bank or building society to another. It's been designed to be simple, reliable and hassle free and is backed by the Current Account Switch Guarantee. 

what if another bank or building society does not offer the Current Account Switcher Service?

If you open a new account with another bank or building society which does not offer the Current Account Switch Service ('the Switch Service') you can still switch your account, although the switch is not guaranteed under the Current Account Switch Service. 

  • Your new bank or building society will request a list of mandates from us within 2 working days of receiving your authorisation to switch
  • We will provide a list of mandates to your new bank or building society within 5 working days of receiving the request. If we are unable to service this request, we will inform your new bank or building society as to why we cannot comply within 2 working days. For example, we have not received a signed authorisation form; we cannot find the customer on our records; there are no mandates on the account or it is a savings account and not a current account
  • Your new bank or building society will set up payment mandates within 5 working days of receiving the mandate list from us
  • We will cancel your payment mandates and if you have chosen to close your account with us, we will close your account and transfer any positive balance to your new bank on the date specified in your authorisation form. If there is a circumstance which prevents the closure of your account, we will inform you promptly
  • We will not charge for this service.


how do I make a complaint about my switch?

If you're not happy with the switching service we're providing, please refer to the 'how do I make a complaint' FAQ which provides details of how we deal with complaints and your right to make a complaint to the Financial Ombudsman Service. 

when will my interest be paid gross if I've opened a savings or current account before 6 April 2016? content collapsed content expanded

From 6 April 2016, all interest payments received will be paid gross, even if this is for interest accrued before this date. 

how is my interest paid on PPI and other compensation payments? content collapsed content expanded

Banks and building societies will still be required to take tax from any compensation interest paid. For further information please refer to the HMRC website 

how does the Personal Savings Allowance impact joint accounts? content collapsed content expanded

With cahoot each individual receives a Personal Savings Allowance based on their tax status, which they will use against their equal share of the interest. If you hold joint accounts with other providers you'll need to check this with them. 

how can I get a copy of the information you hold about me? content collapsed content expanded

If we hold information about you, you can request a copy of it and to have any inaccuracies corrected where necessary. Please call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

To find out more about your information rights visit the website of the Information Commissioner.

how do I get the information I need to complete a tax return? content collapsed content expanded

The new Account Summary makes it simple for you to complete a tax return. It details the interest paid and tax deducted for any savings and current accounts you hold with cahoot. 

The Account Summary is automatically available to you in online banking within e-Documents on the left hand side. A secure message will be sent to notify you when it’s available to view. 

A Tax Deduction Certificate is also available on request by calling us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturdays (if calling from outside the UK please dial +44 1908 937 222).

what's Adobe Acrobat? content collapsed content expanded

You need Adobe Acrobat to view and print PDF documents that appear on this website. To download this program for free visit the Adobe website. You'll also find useful tools and resources on the Adobe website if you want to read PDF documents with a screen reader. 

my account has been made dormant. What proof of identity do I need to supply to re-open it? content collapsed content expanded

To re-activate a dormant account, we need two forms of identification that must not be from the same company. We can accept: recent credit card statements (but not store card statements), bank or building society statements and utility bills (such as gas, electricity). Take a look at our full list of acceptable identification 

how do I make a complaint? content collapsed content expanded

At cahoot it's important to us that we continue to improve our services and products and provide you with the service you expect. We want to know when things don't go well so we have the opportunity to put them right for you and potentially other customers. The best way to contact us is over the phone so that we can talk to you in person, please call us on 0800 587 1111

If we reach a decision about your complaint and for any reason you're not happy with it, or it's been over 8 weeks since you first raised your concerns with us, you may be able to refer your complaint to the Financial Ombudsman Service. Details of how to complain to the Financial Ombudsman Service are available at www.financial-ombudsman.org.uk 

EU Online Dispute Resolution (ODR)

If you purchased your product or service with us online and you live in the EU, you can submit your complaint to the FOS via the European Commission's Online Dispute Resolution platform.

While you’re free to use this route, we recommend you contact the FOS directly using the details above, as this will save you time. Their website also has an online form: http://www.financial-ombudsman.org.uk/consumer/complaints.htm

You can access the ODR platform at http://ec.europa.eu/odr and you’ll need to quote our ODR mailbox: ODRreferral@santander.co.uk
If you'd like to know more, our 'How to complain' leaflet details how we deal with complaints promptly and fairly. 

how do I close my account? content collapsed content expanded

You can send us a secure message from the online banking 'Help & contact us' tab or you can call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

Alternatively, you can write to us at: cahoot, 1 Mays Meadow, Belfast, BT1 3PH. You'll need to return any cards or cheque books held on the account. These should be cut in half for security purposes.  

Any Direct Debit mandates (used to pay bills) arranged on the account, should be cancelled prior to closure of the account. Please allow 14 days for the closure to take effect. 

online banking
how do I navigate in online banking? content collapsed content expanded

The site has a number of tabs along the top of the page so you can easily navigate to the correct section. They include: 

Account services 

In this tab, you can find the following services:

  • Account alerts: receive free text messages or emails that tell you when certain things happen on your account.
  • e-Documents: this feature allows you to view statements and other documents in Adobe Acrobat (PDF) format online.
  • Other services: here you can manage your debit and credit cards, and request account stationery such as deposit books and envelopes.


My Details & Settings

In this tab, you can find the following services:

  • Change security settings
  • Change personal details
  • Change online settings
how do I change my address or personal details? content collapsed content expanded

The easiest way to change your address and personal details (including your telephone number and email address) is in online banking. It will be changed instantly. You can also change it by telephone and post. 

To change your details instantly within online banking:

Log on and go to the 'My Details & Settings' tab.

  • Choose 'Change personal details' from the left-hand menu and then click 'Change address'.
  • Enter your new details (including postcode) and follow the onscreen instructions.

please note: you'll need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand. 

To change your details over the phone:
Call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday. If calling from outside the UK please dial +44 1908 937 222.  

To change your details by post:
Complete a 'Change of details' form by:

  • Printing off and completing the form
  • Sending it with a copy of signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport) to cahoot, 1 Mays Meadow, Belfast, BT1 3PH. See our full list of acceptable ID.
how do I move money between accounts? content collapsed content expanded

It's easy to move money between your cahoot accounts. From the 'Quick Transfer' link on the 'My Accounts' page in online banking, choose the account you want to move money from and the account you want to move it to, followed by the amount. Then press 'Go'.

what's Faster Payments and how long will it take for a Faster Payment to arrive at another bank? content collapsed content expanded

Faster Payments is a free and secure service to transfer money electronically to another UK bank. You don't need to do anything to benefit from Faster Payments, just continue making payments from your banking or savings accounts as normal. 

You can transfer money up to £100,000 per day between accounts. Please note, the maximum amount you can transfer at any one time to an external account is £25,000. 

Most payments will arrive on the same day that we process them. However, some may take up to the end of the following working day. Learn more about Faster Payments

how do I pay an existing payee from online banking? content collapsed content expanded

If you want to pay a bill using an existing payee (a person or company whose details you have saved) follow these steps in online banking:

  • Select 'Payments & Transfers' from the top menu and choose 'Pay or view existing payees' from the left-hand menu and then choose the account you want to make the payment from.
  • Select the payee you are looking for and select the 'Make a payment' option from the drop-down box on the same row.
  • Enter the amount you want to pay and date that you want the payment to be made.
  • Your payment request will be processed and will show on your account and statement at the latest by the end of the next working day, subject to normal bank checks; please do not attempt the transaction again.
  • Finally you'll be shown a summary of your instructions which you will be asked to confirm. If you want to check the instructions for this payment you can go to 'View pending payments & transfers' from the left hand menu.
how do I make a payment to someone new from online banking? content collapsed content expanded

To set up a payment to a person or company you've not paid before (a new payee) in online banking, follow these steps: 
 

  • Select 'Payments & Transfers' from the top menu and choose 'Set up a new payment' from the left-hand menu and then choose from either 'Pay a new bill', or 'Pay a new person'.
  • Choose the account from which you want to make the payment, and then enter the recipients sort code, account number and payment reference, together with the amount and the date that you wish the payment to leave your account. Then select 'Continue', to see a summary of the payment instruction you have set up.
  • You must then enter the One Time Passcode (OTP) that will have been sent to your registered mobile phone and click 'Confirm'.
how can I delete or amend payees in online banking? content collapsed content expanded

From the 'Payments & Transfers' tab identify the payee you want to delete or amend from the list of your payees. Use the drop-down menu by the side of the payee to select 'Delete' or 'Amend' payee. 

To delete a payee check the details to make sure you have selected the right payee and click the 'Confirm' button. You'll be shown a summary of your instructions. 

Please note if you have a regular standing order set up for any deleted payee, you will also need to select the 'Standing Orders' tab from the menu running across the top of the page to amend or cancel. 

To amend a payee simply make your changes to their details and then click 'Continue'. You must then enter the One Time Passcode that will have been sent to your registered mobile phone and click 'Confirm'.

how many transactions will I be able to view online? content collapsed content expanded

You'll be able to view up to 7 years worth of transactions (or since your account was opened, whichever is shorter). Our transaction search functionality allows you to search between two dates that you specify. You'll be able to download your transactions using the Adobe Acrobat (PDF) format, Microsoft Excel, Microsoft Money and Intuit Quicken. 

how do I download transactions? content collapsed content expanded

In the 'My Accounts & Transactions' tab, choose 'View transactions' from the left hand menu. Click on the 'Download transactions' link above the Transactions table. 

You can choose to download transactions in a date range (click the button labelled 'All available transactions') or every transaction since the last time you took a download (in which case select 'Since last download'.) You'll then need to pick a format for the file from the dropdown list (e.g. Microsoft Excel) and click 'Download'. 

how do I set up account alerts? content collapsed content expanded

From the 'Account Services' tab, click on 'Find out more' from 'Account Alerts' and follow the instructions under 'Set up new alert'. 

what's a One Time Passcode (OTP)? content collapsed content expanded

OTP is an added security measure used in cahoot online banking. The good news is that you only need to register a mobile phone number with us once to use it, and you don't have to remember any new passwords or carry a card reader. 

OTP is only needed when we want you to verify that a payment to a new payee or a request to amend important details (like your address) is genuine. The system sends a unique, one-off code to your mobile phone so it's important that you let us know if you change your mobile number so you can continue to receive OTP messages. 

Remember - always make sure the details quoted within the OTP message correspond with your original request. If you ever receive an OTP message you're not expecting, notify us immediately as it may be a sign of attempted fraud on your account. 

If you want to learn more about OTP you can watch the demo which you can find on the Online Banking Help page. 

how does One Time Passcode (OTP) work? content collapsed content expanded

For certain high security transactions, such as making a payment to a new recipient, when you reach the 'Confirm details' stage of the transaction, we'll send a text message containing a One Time Passcode to your registered mobile phone number. 

Simply enter this code in the on-screen box provided to authorise and complete the transaction. OTP provides additional protection because it's unlikely a fraudster will be able to get hold of both your online banking log on details and your mobile phone. 

will it cost me anything to receive a text message containing a One Time Passcode (OTP)?  content collapsed content expanded

cahoot will not charge you for receiving an OTP message. And most UK mobile providers don’t charge you to receive text messages, even when abroad. However, you should check with your mobile phone provider to confirm whether or not you would be charged. 

will One Time Passcode (OTP) work if I'm overseas?  content collapsed content expanded

You can receive OTPs overseas if your handset and SIM card allow global roaming and the country you are in operates a compatible network. Please check with your mobile phone service provider before you leave for further information about global roaming. 

how do I use One Time Passcode (OTP) if I don't have mobile phone coverage?  content collapsed content expanded

OTPs can only be used with a registered mobile phone with network coverage. However, don't forget that the majority of commonly-used online banking transactions don't need OTP. If you don't want to use a mobile phone you can still make a payment to a new recipient by calling us on 0800 5871 111. Once a new recipient is set up, subsequent payments to that recipient can be made online without OTP.

how quickly will I receive a One Time Passcode (OTP) text message?  content collapsed content expanded

When you perform a transaction that needs OTP, when you reach the 'Confirm details' screen you'll immediately be sent an OTP which you should receive in seconds. In exceptional circumstances, it could take a couple of minutes depending on network coverage. The OTP code is only valid for the current transaction so you don't need to memorise it. 

what will happen if I enter a One Time Passcode (OTP) incorrectly?  content collapsed content expanded

If you enter the code wrongly three times, you'll need to start the payment set up again and request a new OTP. 

which transactions need a One Time Password (OTP)?  content collapsed content expanded

You won't need to enter an OTP for the majority of most commonly-used online banking transactions. For example, you won't need to use OTP to log on, make a payment to someone you've paid before or to view your balance or transactions. You'll need to use OTP for high security transactions such as making a payment to a new recipient, to change your address or to order a new debit card PIN. 

why do I need to provide my mobile phone number for One Time Passcode (OTP)?  content collapsed content expanded

Internet fraud is on the rise. OTP gives you the benefit of additional protection against online fraud using leading technology. With OTP, you'll have the peace of mind of knowing your account is protected with an additional layer of security. 

what happens if I change my mobile number? content collapsed content expanded

You can change the mobile number we send OTPs to in the online banking 'My Details & Settings' tab. As a precaution, we'll send an OTP to your old mobile to authorise the change. 

If you don't have your old phone anymore you can call us on 0800 5871 111

why do I need to choose an image and phrase and how will they be used? content collapsed content expanded

When you log on to online banking for the first time, for security reasons we'll ask you to choose an image and a phrase. On every subsequent log on, after you've entered your user name, we'll identify ourselves to you by showing you your unique image and phrase combination. 

Only when you see this combination should you enter your other security details. If your image and phrase are not shown, it may indicate that you're not on a genuine cahoot site and you should not enter your security details. 

how do I change my log on image? content collapsed content expanded

To change your image click the 'My Details and Settings' tab and select 'Change image' from the 'Change security settings' menu. Select an image category from the drop-down menu and click 'Go'. Pick a new image and click 'Continue'. If you're happy with the new image you've chosen click 'Confirm' to save your new choice. The next time you log on to online banking your new image will be shown to you, together with your phrase. 

how do I change my log on phrase? content collapsed content expanded

To change your phrase, click the 'My Details and Settings' tab and then 'Change phrase' from the 'Change security settings' menu. You should choose a new phrase of between 6 and 16 characters. It can be a mix of letters and numbers. It shouldn't describe your image or contain any of your other security details. Enter your new phrase and then click 'Continue'. Your old and new phrases are displayed on this page. Check that the new phrase is correct and click 'Confirm' to save it. The next time you log on to online banking your new phrase will be shown to you, together with your image as part of the security measures we use to reassure you that you are on the genuine site. 

what's a security number? content collapsed content expanded

Your five-digit security number is highly confidential and must never be disclosed to anyone, not even to cahoot staff on the phone. It shouldn't be a sequence of numbers e.g. 23456 or all the same number e.g. 11111. Nor should you choose a recognisable date such as your birthday. For additional security we recommend that you change your security number on a regular basis. 

what's an e-Document? content collapsed content expanded

We'll store copies of your statements and other correspondence we send you in the e-Documents section of online banking. Your statements and letters will be stored in Adobe Acrobat PDF format. Each time we add an e-Document to your message store we'll send an email to an external email address (which you've nominated) to prompt you to log on to online banking to view it. 

how will I know when I can see my new e-Document statement online? content collapsed content expanded

When your new statement is ready to view within online banking, we'll send an email to your nominated email address. Make sure the email address we hold for you is correct by going to the 'My Details & Settings' tab, clicking 'Change personal details' from the left hand menu and choosing 'Change contact details'. 

credit cards
how do I pay my cahoot credit card bill online? content collapsed content expanded

You must set up a Direct Debit to pay your cahoot credit card bill. You can also make a payment from a debit card (including non-cahoot debit cards), or you can use online banking to make ad hoc payments from your cahoot current account.

  1. To set up a Direct Debit, select the 'Credit Cards' tab from the top menu, and choose the 'Set Up/ Amend Direct Debit' link from the left-hand menu. This may take a few days to complete, so please allow plenty of time before the payment is due. If you need to make a payment immediately, use the instructions below to make an immediate payment.
  2. To make a payment from your cahoot debit card to your cahoot credit card, select the 'Credit Cards' tab from the top menu, and choose the 'Pay cahoot credit card' link from the left-hand menu. Enter your debit card details and choose a payment option - you can choose to pay the minimum payment from your last statement, the full balance on your last statement, or another amount specified by you. Remember the minimum payment amount is the minimum amount that you must pay each month.
  3. You can also make ad hoc payments to your cahoot credit card from any cahoot bank account using online banking - just follow the steps below.

If you haven't paid your cahoot credit card before, you'll need to set up a new payee. Choose 'Set up a New Payment' and choose which account you want to make the payment from by selecting the account name/ number from the drop-down menu. 

Next, fill in the fields on the on-screen form. You'll need the following details:

- Sort code: 09-06-41

- Account number: 00000000

- Reference: your 16-digit credit card account number.

Give the new payment a name to help you identify it on your statements using the 'Payee Name' field. It should be a name that will help you remember the payment, such as 'My cahoot credit card'. This will show on your statements and in your list of payees, should you wish to make another payment to your credit card. 

Remember, if you make an additional payment to your account more than 5 days before your payment due date, the amount collected by Direct Debit will be adjusted to take account of this payment. The original Direct Debit will still be taken if an additional payment is credited to your account less than 5 days before the payment is due. 

how do I pay my credit card bill online (non-cahoot credit card)? content collapsed content expanded

If you want to make a payment to a non-cahoot credit card, you can use online banking - just follow the steps below. 

If you haven't paid this credit card before, you'll need to set up a new payee. From 'Payments & Transfers' select 'Set up a new payment' and choose which account you want to make the payment from by selecting the account name/ number from the drop-down menu. 

Next, fill in the fields on the on-screen form. Give the new payment a name to help you identify it on your statements using the 'Payee name' field. It should be a name that will help you remember the payment, such as 'My credit card'. This will show on your statements and in your list of payees, should you wish to make another payment to your credit card. 

Their sort code: enter the payee's sort code which, for credit cards and other bills, is normally found on the reverse of the paper bill. If you don't have a paper bill to hand, you can use our 'look up' tool to find the payee's account details. 

Their account number: enter the payee's account number, which, for credit cards and other bills, is normally found on the reverse of the paper bill. If you don't have a paper bill to hand, you can use our 'look up' tool to find the payee's account details. 

Payment reference: enter the reference for the payment. For credit card payments this is normally your 16-digit credit card number (in some cases, it may be 15 digits). Enter it without the spaces. 

If you want to make a payment immediately, or if you want to set up a payment for a date in the future immediately, fill in the amount of the payment in the 'Amount' field. 

You can choose to make the payment immediately, by selecting the 'Now' option. If you select 'Now', the payment will be sent as soon as possible, to reach the external bank by the end of the next working day at the latest. 

If you don't want to make a payment immediately, but you want to make a payment in the future and you know the date, you can select 'On this date' and enter the date of the payment. 

If you don't want to set up a payment now, just leave the 'Amount' field blank. Your new payment can be found in your list of payees - select 'Pay or view an existing payee' to view the list. 

how do I pay off my credit card? content collapsed content expanded

You can make a payment online or by Direct Debit:

online:

Pay online directly from your account by quoting:

  • Sort code: 09-06-41
  • Account number: 00000000
  • Reference: your 16-digit credit card account number.

Direct Debit:

You can set up a Direct Debit to pay the minimum repayment, a fixed amount or the full amount of your statement balance. If you'd like to set up or amend a Direct Debit, use online banking or call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturdays (if calling from outside the UK please dial +44 1908 937 222). 

where can I find a copy of my cahoot credit card agreement? content collapsed content expanded

We'll send you a copy of your credit card agreement each time you get a renewal card. You can also request a copy of your credit card agreement from us at any time, by calling us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturdays (if calling from outside the UK please dial +44 1908 937 222). 

where can I find my purchase protection and credit card payment protection policy documents? content collapsed content expanded

If you need a copy of your policy, it can be posted to you. Call us on 0800 5871 111 and we'll send you a copy. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

how do I make a purchase protection or credit card payment protection insurance claim? content collapsed content expanded

Please call Aviva on 0800 085 0906 between 9am and 5pm Monday to Friday, or send us a secure message from the online banking 'Help & contact us' tab to request a claim form. 

CHAPS & international payments
how do I make a CHAPS payment? content collapsed content expanded

You can make a CHAPS payment by telephone. Please call us on 0800 587 1111. We're open Monday to Friday 8am to 8pm, and Saturday 9am to 5pm (if calling from outside the UK please dial +44 1908 937 222). 

Before calling, please make sure your online contact numbers are up to date, and be prepared with your account details and the account details of the person you wish to pay. 

The account details for the person you are paying include their: 

  • full name
  • sort code
  • account number.


You may also be asked some standard security questions regarding your account and we may need to do some additional checks, including calling you back on the number registered on our system to ask security questions. If we're not able to speak to you we'll leave a message and ask you to call us back. If this is the case we won't be able to make your payments until we've carried out these checks and spoken to you so remember to get back to use to move your payment forward. 

A fee will be charged for a CHAPS payment. See our terms and conditions for current fees. 

how do I make an international payment? content collapsed content expanded

You can make an international payment in online banking or by telephone. 

Before making the payment please be prepared with the account details of the person you are paying, including: 

  • their full name
  • the Bank Identifier Code (BIC) of the beneficiary's bank
  • the beneficiary's account number or IBAN (International Bank Account Number)
    Please note you must supply the beneficiary's IBAN for Euro payments to countries in the European Economic Area.


We may need to do some additional checks, including calling you back to ask security questions. If we're not able to speak to you we'll leave a message and ask you to call us back. If this is the case we won't be able to make your payment until we've carried out these checks and spoken to you so remember to get back to us to move your payment forward. 

A fee will be charged for an international payment. See our terms and conditions for current fees. 

To pay people or companies overseas in online banking you'll need your registered mobile phone to hand as, for security reasons, we'll send you a One Time Passcode. You may also need your IBAN or BIC details depending on the destination of the payment: 

  • go to the 'Payments & Transfers' tab
  • click 'International payments' in the left hand menu; and
  • follow the on-screen instructions.


Alternatively, please call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

how do I send a payment to someone within the UK? content collapsed content expanded

You can send a CHAPS payment. The money will normally be credited to the beneficiary account on the same day that your account is debited, although we cannot guarantee exactly what time. You'll need to let us know the beneficiary's full name, sort code and account number. 

how do I send a payment to someone overseas? content collapsed content expanded

We offer 2 options for sending a payment overseas:

  1. an international payment; or
  2. a Sterling payment outside the UK.


Important things to note:

  • If you choose to send a Euro payment to a European Economic Area country that has adopted the Euro as its local currency, the funds will normally be credited to the beneficiary within one working day. For any other currency sent to a European Economic Area country (including Sterling payments outside of the UK) it will take up to four working days for the funds to reach the beneficiary.
  • If you choose to send a US dollar payment to the United States of America, the payment should normally arrive to the beneficiary on the same day.
  • If you choose to send any other currency outside the European Economic Area, it will take up to five working days for the funds to reach the beneficiary.
  • When an International payment is handled by a correspondent bank before it reaches the beneficiary bank, that bank or the beneficiary bank may deduct a charge before sending the money to the beneficiary. cahoot has no control over the amount these banks may charge.
  • Alternatively you may wish to send a Sterling payment outside the UK. This option can only be used where the overseas bank accepts Sterling payments. This method is useful when you are transferring money overseas to an account that is held in Sterling. These payments will be routed via a UK correspondent bank. If a Sterling payment is being sent outside the European Economic Area, a charge might be deducted by the correspondent bank or the beneficiary bank. cahoot has no control over the amount these banks may charge. Sterling payments being sent outside of the European Economic Area will normally take up to 5 days to reach the beneficiary.
what are the fees and charges for making a CHAPS or international payment? content collapsed content expanded

The following is a tariff of charges for CHAPS and international payments (including Sterling being sent outside the UK). Exchange rates vary from day to day, and charges on services may change at short notice. Please ask for confirmation when you use one of the services. You can request these details by calling us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

CHAPS transfers £25 per transfer
International payments £25 per transfer when sending Sterling outside UK

£25 per transfer when sending Foreign Currency abroad. Please note: there may be additional charges levied by the correspondent banks and/or beneficiary bank. cahoot has no control over these charges.
International Euro Payments (Non urgent - SEPA)

£15 per euro transfers

These payments take an additional business day to arrive
Please note: request needs to be submitted before 14:30 to arrive next business day.
how can I receive money via CHAPS or international payment? content collapsed content expanded
  • You'll need to provide the sender with your full name, sort code and account number (or IBAN International Bank Account Number if your account has one). For International payments from abroad you'll also need to provide the sender with cahoot's Bank Identifier Code (BIC), which is ABBYGB2L.
  • If the funds are received in a foreign currency we'll automatically convert them into Sterling using our exchange rate on the day we receive the funds.
  • The funds will normally be credited to your account on the same day we receive them. If it's an international payment we'll credit your account providing we receive the payment by no later than 5pm.
  • Although we don’t levy a charge to receive an international payment, other banks may deduct a charge from the payment before it reaches us. These are beyond our control.
what are the fees and charges for receiving a CHAPS or international payment? content collapsed content expanded

The following is a tariff of charges for CHAPS and International payments received by a cahoot account. Exchange rates vary from day to day, and charges on services may change at short notice. Please ask for confirmation when you use one of the services. You can request these details by calling us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222).

CHAPS transfers No charge
International payment from abroad No charge. Please note: Charges may be deducted from the transmitted funds by any intermediary bank used. cahoot has no control over these charges.
money worries
I want to avoid overdraft fees. What services do you offer to help me manage my finances? content collapsed content expanded

There are a number of things you can do: 

  • Regularly check your account balance from the comfort of your own home 24/7 through online banking.
  • Keep a record of any payments made and expected from your account. If you have an Arranged Overdraft, you'll see your limit on your monthly statement.
  • Set up free alerts in online banking. There are a number to choose from including one that notifies you when your account balance reaches a specified amount. To find out more about account alerts, select 'request account alerts' from your online banking homepage.

More information is available on our money worries page. If you want to discuss your situation further, please call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222).

I'm currently in financial difficulty. What should I do? content collapsed content expanded

We're committed to treating customers sympathetically and positively when they're experiencing difficulties, and will do our best to help those who are having problems with their debts. 

More information is available on our money worries page. If you're worried you may be starting to have financial difficulties, or are already having problems with your debt, it's important that you speak to us as soon as possible. If you do so we'll do everything we can to help you solve your problems. 

Please call us on 0800 5871 111. We're open 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday (if calling from outside the UK please dial +44 1908 937 222). 

midata
what's midata? content collapsed content expanded

Midata allows you to download 12 months of transaction history from your current account and upload that information to independent comparison sites. The sites then use your transactions to compare current accounts, based on your spending habits. 

You can access your midata file from your 'Download transactions' page in online banking. 

whose responsibility is my midata file once it's downloaded? content collapsed content expanded

Once you've downloaded your midata file it's your responsibility to keep it safe. When uploading your data, please choose a reputable comparison site that you are confident will use your information in a safe way. 

do I need to keep my midata file? content collapsed content expanded

No, in fact to protect your transaction information it's best if you keep your file on your computer or device for as little time as possible. You could even download your midata file from online banking, send it to your chosen comparison site straight away, then immediately delete it from your computer. If in future you want to run another midata comparison you would download a new file from online banking, reflecting transactions you had made more recently. 

can I give my midata file to someone else to send for comparison? content collapsed content expanded

No, as with all of your banking details you should keep your midata information secret. 

will my chosen comparison site need any details other than my file? content collapsed content expanded

No, you don't need to give your name or any of your banking details when you upload your midata file to a comparison site. You shouldn't give anything other than your midata file. midata comparisons are anonymous.