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The best way to contact cahoot is by secure email from your online banking homepage. Alternatively, you can call us on 0330 678 2811. We’re open 8am-6pm Monday-Friday, and 9am-5pm 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.
Cahoot, Sunderland, SR43 4EZ
You can read our tips for using your debit card abroad. If you intend to use your cahoot debit card abroad please send us 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.
You can ask us for a cheque in a different currency. When you do this, we’ll take the money out of your account straight away. And we’ll issue you with a type of paper cheque called a draft. So when the person getting the cheque pays it into their account, we’ll already have the money to pay it.
When you ask for a foreign-currency draft we charge you £10.
We can provide currency drafts to be drawn in:
You can ask us to cancel a cheque or draft once it’s been issued. If we do this, we'll charge you £25. If the person you’re paying hasn’t paid in the cheque after 6 months, we may cancel it.
Once a cheque is cancelled, it takes at least 5 working days for us to credit the funds back to your account. Changes in exchange rates may mean you may get back less than you originally paid.
More options
Paying by cheque can mean costs and timings you don’t want. So you may like to pay a different way. An international transfer or CHAPS payment are 2 of your options.
If a cheque’s in a foreign currency you may be able to pay it into your account with us. But this can mean costs and timings you don’t want. So you may like to ask the person giving you money to get it to you a different way. This could be something like an international transfer.
Here's how to pay a foreign-currency cheque or draft into your account with us:
Be sure to keep a copy of the cheque or draft in case you need it later. Please also note, it’s not down to us if cheques go missing in the post. Think about using recorded delivery for your cheque, or keeping proof of postage.
Once we have your foreign-currency cheque or draft, we'll try to clear it either by:
Which way will my cheque go through?
We can’t always say how your cheque will go through.
Either way, your cheque may take longer if we need to do security checks.
For an update, call us on 0330 678 2811.
Either way, it may take longer for your cheque to go through if we need to do security checks. We'll convert the money from your cheque into pounds. We'll use our standard exchange rate on the date the money's paid into y our account.
How much will it cost me to pay in my foreign-currency cheque or draft?
We charge you £10 to pay in a foreign-currency cheque. If it goes through by collection, the other banks we work with may also charge us ‘correspondent charges’ for processing it. We’ll take these off the final amount that goes into your account.
We can’t tell you what these charges will be. Because we don’t set them and won’t know what they are until we're asked to pay them for you. They can be high, and sometimes include a fraction of the cheque’s value.
Stuff you need to know
It could be we get a foreign-currency cheque that we can’t put through. If this happens, we'll return it to you as soon as possible, telling you what the problem is. It could be that the correspondent charges are higher than your cheque’s value.
Up to 7 years after you’ve put in a foreign-currency cheque, we can return it to you. In this case, or if we see it’s fraud, we may take back the money we paid into your account. If exchange rates have changed, the amount we take from your account could differ from what went in.
You might ask the person who wants to pay you by cheque, to do so another way. An international transfer is quicker and cheaper. And there’s less chance it’ll be returned once it’s gone through.
Be wary of fraud
Sometimes fraudsters send our customers foreign-currency cheques, and ask that they transfer the money back to them. With this scam, once the fraudster gets the transfer, their cheque bounces. Leaving our customer out of pocket.
Our Security Team is ready, 24 hours a day, 7 days a week, to help protect you instantly. Please tell us if:
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.
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 'what happens if 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.
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
If you’re a TPP providing account information or payment initiation services and want to read more about how to use/access our APIs, you can find the technical specifications on our developer portal. (When you follow this link you’ll see Santander UK plc’s developer portal as cahoot is a division of Santander UK plc.)
Find out more about making a new payment.
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.
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 0330 678 2811. We’re open 8am-6pm Monday-Friday, and 9am-5pm 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.
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 0330 678 2811 or you can call us on 0800 9 173 489 (freephone). We’re open 8am-6pm Monday-Friday, and 9am-5pm Saturday (if calling from outside the UK please dial +44 1908 937 222).
We may have asked you to complete a Change of Details form after opening a new account.
This is because, some details from your application do not match those we have for you as an existing customer. We need you to provide us with some details and ID, so that we can send you new Online, Mobile or Telephone Banking details.
If you have any, you’ll be able to use your existing details to see your new product, after you send the information we need.
We need you to:
Please send us your completed change of details form and photocopied ID documents back to us at:
Santander cahoot Operations
Sunderland
SR43 4FX
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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.
We always try to give you the best possible service, so we’re sorry if we haven’t got things right.
How to contact us
The best way to contact us is on the phone so we can talk to you in person and take action to sort out things for you.
Call us on 0330 678 2811 or 0800 9 173 489 (freephone).
For more ways to contact us and more information about how we deal with complaints promptly and fairly, read our 'How to complain' leaflet.
You can call us on 0330 678 2811. We’re open 8am-6pm Monday-Friday, and 9am-5pm Saturday (if calling from outside the UK please dial +44 1908 937 222).
Alternatively, you can write to us at: Cahoot, Sunderland, SR43 4EZ. 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.
