Using Santander App for Cahoot only (Android)

PixelPound

phonek said:

trient said:

phonek said:

Does anyone know if Cahoot ac holders can use the Santander iOS app to login (and maybe do things like transfer money too)? 

I had it set up but for a good few weeks it's been saying it can't be used by Cahoot account holders.

Thanks @trient - oh that's a shame. Might try it in a couple of days myself, and confirm back here for others. 

Anyone know re. the dual-rate question I asked above? 
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EDIT: 

phonek said:

Anyone know re. the dual-rate question I asked above?  

OK well I gave Cahoot a quick phone call, and they clarified this... 

Basically, the ThisIsMoney website confused it a bit [they've since updated the screenshotted page above to new rates, so you can't see as it was], as the "3.4% bonus for 12 months" they stated on that webpage actually means that you get 3.4% on top of the 1% rate the account automatically drops to after 12 months.

So should Bank of England Base Rate keep lowering over the year, the interest rate could potentially fall below that 3.4%, should Cahoot choose to do so for issue 13 of the account. Cahoot said they always give ~2months notice of rate changes if they do. 

That they've brought out an issue 14 with lower rate after the cut sort of suggests issue 13 won't drop until your year is up, Banks like Cynergy used to do this when rates were going up (new issue with higher rate but existing stayed the same).

phonek

PixelPound said:

That they've brought out an issue 14 with lower rate after the cut sort of suggests issue 13 won't drop until your year is up, Banks like Cynergy used to do this when rates were going up (new issue with higher rate but existing stayed the same).

I opened Cahoot issue 13 ac (4.40%) just two days before they dropped the rate on a new issue 14 ac (4.05%) on Mon 12 Jan 2026. We'll have to see if they lower the rate at all (or only a bit) as base rate (probably) slowly drops through 2026. 

Yes, when rates were going up, Cynergy [who incidentally had a new mobile app, unlike Cahoot who have none at all, lol!] would issue a new issue rather than increase the current issue or older issues. Then when base rate dropped, they seemingly drop both the current issue's rate and began a new issue both at the same lower rate. 

But when rates were on the up, you could simply open and move to each new higher-paying issue ac online pretty much instantly, which would close your older issue ac at the same time. Bit of a pain, but that's banks for you, lol!