Jump to cahoot savings account, cahoot instant access savings account, cahoot introductory rate account, cahoot bonus savings account, cahoot loyalty savings account, cahoot 18 month bond maturity account, cahoot 2 year fixed rate bond (issue 1) maturity account, cahoot 2 year fixed rate bond (issue 2) maturity account, cahoot 2 year fixed rate bond (issue 3) cahoot 2 year fixed rate bond (issue 4) cahoot 2 year fixed rate bond (issue 5) cahoot 1 year fixed rate bond (issue 1) cahoot 1 year fixed rate bond (issue 2) cahoot 1 year fixed rate bond (issue 3) cahoot 1 year fixed rate bond (issue 4) cahoot 1 year fixed rate bond (issue 5) cahoot 1 year fixed rate bond (issue 6) cahoot 1 year fixed rate bond (issue 7) cahoot 1 year fixed rate bond (issue 8) cahoot 1 year fixed rate bond (issue 9) cahoot current account cahoot flexible loan cahoot fixed rate loan  rates and fees.

previous rates and fees

Below you can find the previous interest rates on all our accounts and when they were available.

savings accounts

Previous rates effective until 31st October 2016

cahoot savings account - no longer on sale

Annual interest available from 14 August 2002 to date, monthly interest available from 28 June 2006 to date.

Rates for interest paid annually (rates are variable)
account balance Gross p.a. / AER*
£1 plus 0.50%

Rates for interest paid monthly (rates are variable)
account balance Gross p.a. / AER*
£1 plus 0.50%

Above variable rates were correct from 8th June 2015. Please check the current 'Rates & Fees' page for the latest rates on this account.

Annual or monthly interest was chosen at account opening. Once chosen it could not be altered at a later date.

Previous rates effective until 7 June 2015

cahoot savings account - no longer on sale

Annual interest available from 14 August 2002 to date, monthly interest available from 28 June 2006 to date.

The cahoot savings account rewarded customers with tiered variable rates, dependent upon the account balance. See the table below for full details.

Rates for interest paid annually (rates are variable)
account balance Gross p.a. / AER*
£1 plus 0.50%
£250,000 plus 1.00%
£750,000 plus 2.00%

Rates for interest paid monthly (rates are variable)
account balance Gross rate p.a. Gross AER*
£1 plus 0.50% 0.50%
£250,000 plus 1.00% 1.00%
£750,000 plus 1.98% 2.00%

Above tiered variable rates were correct from 1 May 2013. Please check the current 'Rates & Fees' page for the latest rates on this account.

Please note that the tier of interest above, applicable to the balance of the account, was applied to the total balance.

Annual or monthly interest was chosen at account opening. Once chosen it could not be altered at a later date.

Previous rates effective until 30 April 2013

cahoot instant access savings account - no longer on sale

(Originally a savings account, renamed a cahoot instant access savings account from 1 December 2012 to 30 April 2013, then renamed a cahoot savings account from 1 May 2013. Annual interest accounts were available from 14 August 2002, monthly interest accounts became available from 28 June 2006.)

account balance Gross rate (variable) interest paid annually Gross rate (variable) interest paid monthly Gross AER
£1 plus 0.50% 0.50% 0.50%
£50,000 plus 0.55% 0.55% 0.55%
£100,000 plus 0.60% 0.60% 0.60%
£250,000 plus 0.76% 0.76% 0.76%
£500,000 plus 1.01% 1.01% 1.01%
£750,000 plus 2.50% 2.47% 2.50%
£2,000,000 plus 0.50% 0.50% 0.50%

The maximum deposit amount was £2,000,000. Deposits of more than £2,000,000 received a rate of 0.50% gross / AER (variable) on the total balance.

Above tiered variable rates were correct from 1 December 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.

Previous rates effective until 30 April 2013

cahoot introductory rate account – no longer on sale

(Available from 24 June 2004 to 1 September 2004, this account was renamed a cahoot savings account from 1 May 2013.)

Account balance AER/Gross p.a.
Up to £49,999 0.40%
£50,000 to £249,999 0.15%
£250,000 + 0.10%

Above tiered variable rates were correct from 1 April 2009. Please check the current 'Rates & Fees' page for the latest rates on this account.

Previous rates effective until 30 April 2013

cahoot bonus savings account – no longer on sale

(Available from 30 September 2005 to 17 January 2006, this account was renamed a cahoot savings account from 1 May 2013.)

Rates for interest paid annually
Tier Standard rates
  AER/Gross p.a.
£125,000 plus 0.10%
£15,000 to £124,999 0.40%
£1 to £14,999 0.10%

Rates for interest paid monthly
Tier Standard rates
  AER/Gross p.a.
£125,000 plus 0.10%
£15,000 to £124,999 0.40%
£1 to £14,999 0.10%

The maximum deposit on the cahoot bonus savings account was £125,000. Deposits of more than £125,000 received a rate of 0.10% gross / AER (variable) on the total balance.

Tiered variable rates were correct from 1 April 2009. Please check the current ‘Rates & Fees’ page for the latest rates on this account.

Previous rates effective until 30 April 2013

cahoot loyalty savings account - no longer on sale

(Available from 29 September 2005 to 30 October 2008 only for customers with a matured cahoot 6 month fixed rate bond, this account was renamed a cahoot instant access savings account from 1 December 2012 to 30 April 2013, and then renamed a cahoot savings account from 1 May 2013.)

Account Balance Gross rate (variable) interest paid annually Gross AER
£1 plus 0.50% 0.50%
£50,000 plus 0.55% 0.55%
£100,000 plus 0.60% 0.60%
£250,000 plus 0.76% 0.76%
£500,000 plus 1.01% 1.01%
£750,000 plus 2.50% 2.50%
£2,000,000 plus 0.50% 0.50%

As of 1 July 2009, standard cahoot savings accounts rates applied across all tiers of the loyalty savings account.

Above tiered variable rates were correct from 1 December 2011. Please check the current ‘Rates & Fees’ page for the latest rates on this account.

Previous rates effective until 30th April 2013

cahoot 18 month bond maturity account - no longer on sale

(Available only for customers with an 18 month fixed rate bond (issue 1) which matured 1 February 2013.) It rolled off into a cahoot instant access savings account on 2 February 2013, and then renamed a cahoot savings account from 1 May 2013.)

account balance AER % (incl. bonus) AER % (excl. bonus) Gross % (excl. bonus) Net % (excl. bonus)
£1 plus   2.75%      0.50%      0.50%      0.40%   

The cahoot 18 month bond maturity account paid the above rates for 24 months from 1 February 2011. Please check the current '‘Rates & Fees’ page' for the latest rates on this account.

Previous rates effective until 30 April 2013

cahoot 2 year fixed rate bond (issue 1) maturity account – no longer on sale

(Available only for customers with a matured 2 year fixed rate bond (issue 1) which matured 30 April 2011. It was renamed a cahoot savings account from 1 May 2013.)

account balance AER % (incl. bonus) AER % (excl. bonus) Gross % (excl. bonus) NET % (excl. bonus)
£1 plus 2.75%     0.50%     0.50%     0.40%    

The above rates, including a bonus of 2.25% gross/AER (variable) were payable for 24 months until maturity, after which the rate of 0.50% gross/AER (variable) applied. Please check the current 'Rates & Fees' page for the latest rates on this account.

Previous rates effective until 30 April 2013

cahoot 2 year fixed rate bond (issue 2) maturity account – no longer on sale

(Available from 1 November 2011 only for customers with a matured 2 year fixed rate bond (issue 2), this account was renamed a cahoot instant access savings account from 2 November 2012, and then renamed a cahoot savings account from 1 May 2013.)

account balance AER % (incl. bonus) AER % (excl. bonus) Gross % (excl. bonus) Net % (excl. bonus)
£1 plus   2.75%      0.50%      0.50%      0.40%   

The cahoot 2 year fixed rate bond (issue 2) maturity account paid the above rates for one year from 2 November 2011. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 2 year fixed rate bond (issue 3) - no longer on sale

(Available from 9 August 2011 to 5 September 2011.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 October 2013  £25,000  £2,000,000 4.01% 4.01%

*Gross/AER based on funds deposited on 1 October 2011. Rates effective from 9 August 2011.
Interest paid annually on 1 October until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 2 year fixed rate bond (issue 4) - no longer on sale

(Available from 14 November 2011 to 11 December 2011.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
10 January 2014  £25,000  £2,000,000 4.01% 4.01%

*Gross/AER based on funds deposited on 10 January 2012. Rates effective from 14 November 2011.
Interest paid annually on 10 January until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 2 year fixed rate bond (issue 5) - no longer on sale

(Available from 12 February 2013 to 12 March 2013.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 April 2015  £25,000  £2,000,000 2.40% 2.40%

*Gross/AER based on funds deposited on 1 April 2013. Rates effective from 12 February 2013.
Interest paid annually on 1 April until maturity. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 1) - no longer on sale

(Available from 27 February 2012 to 26 March 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 May 2013  £25,000  £2,000,000 3.65% 3.65%

*Gross/AER based on funds deposited on 1 May 2012. Rates effective from 27 February 2012.
Interest paid annually on 1 May 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 2) - no longer on sale

(Available from 26 March 2012 to 23 April 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 June 2013  £25,000  £2,000,000 3.65% 3.65%

*Gross/AER based on funds deposited on 1 June 2012. Rates effective from 26 March 2012.
Interest paid annually on 1 June 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 3) - no longer on sale

(Available from 23 April 2012 to 28 May 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
2 July 2013  £25,000  £2,000,000 3.60% 3.60%

*Gross/AER based on funds deposited on 2 July 2012. Rates effective from 23 April 2012.
Interest paid annually on 2 July 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 4) - no longer on sale

(Available from 28 May 2012 to 25 June 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 August 2013  £25,000  £2,000,000 3.60% 3.60%

*Gross/AER based on funds deposited on 1 August 2012. Rates effective from 28 May 2012.
Interest paid annually on 1 August 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 5) - no longer on sale

(Available from 25 June 2012 to 23 July 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
2 September 2013  £25,000  £2,000,000 3.60% 3.60%

*Gross/AER based on funds deposited on 2 September 2012. Rates effective from 25 June 2012.
Interest paid annually on 2 September 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 6) - no longer on sale

(Available from 23 July 2012 to 10 September 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 November 2013  £25,000  £2,000,000 3.60% 3.60%

*Gross/AER based on funds deposited on 1 November 2012. Rates effective from 23 July 2012.
Interest paid at maturity on 1 November 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 7) - no longer on sale

(Available from 10 September 2012 to 8 October 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
2 December 2013  £25,000  £2,000,000 3.25% 3.25%

*Gross/AER based on funds deposited on 2 December 2012. Rates effective from 10 September 2012.
Interest paid at maturity on 2 December 2013. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 8) - no longer on sale

(Available from 8 October 2012 to 5 November 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 January 2014  £25,000  £2,000,000 2.86% 2.86%

*Gross/AER based on funds deposited on 1 January 2013. Rates effective from 8 October 2012.
Interest paid at maturity on 1 January 2014. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot 1 year fixed rate bond (issue 9) - no longer on sale

(Available from 5 November 2012 to 17 December 2012.)

Maturity date Balance Gross Rate p.a.(Annual) AER*
Minimum Maximum
1 February 2014  £25,000  £2,000,000 2.50% 2.50%

*Gross/AER based on funds deposited on 1 February 2013. Rates effective from 5 November 2012.
Interest paid at maturity on 1 February 2014. At term end, funds were transferred to a cahoot savings account. Please check the current 'Rates & Fees' page for the latest rates on this account.

cahoot current account

Previous rates effective until 7 June 2015


Your everyday banking transactions - paying money in, writing cheques, setting up standing orders, direct debits and transfers, and paying bills in the UK - are absolutely free.

Interest rates on the money in your account


For screen reader users, please switch to tables mode to read the table below.
  Without a chequebook With a chequebook
Account balance Annual Equivalent Rate  Before tax each year  Annual Equivalent Rate Annual Equivalent Rate  Before tax each year  
Up to £249,999 1.10% 1.09% 1.00% 1%
£250,000 or more 0.10% 0.10% 0.10% 0.10%

AER stands for annual equivalent rate and shows what the interest rate would be if we paid interest and compounded it (interest paid on interest) each year. Cash paid into your current account will earn interest from the following working day. These rates may change. We work out the interest for your account each day and pay it into your account each month.

cahoot current account

Previous rates effective until 1 March 2009

  Without a chequebook With a chequebook
Account balance Annual Equivalent Rate  Before tax each year  Annual Equivalent Rate Annual Equivalent Rate  Before tax each year  
Up to £249,999 1.25% 1.24% 1.15% 1.14%
£250,000 plus 0.50% 0.50% 0.50% 0.50%

cahoot flexible loan - no longer on sale

A flexible way to take out and manage a loan. The cahoot flexible loan allowed you to make withdrawals as and when you wanted, and to make monthly or more frequent repayments allowing you to pay off the full loan whenever you wanted.

cahoot fixed rate loan - no longer on sale

If you preferred to plan your borrowing, choosing a fixed rate loan once you'd decided the term and amount of your loan, meant you knew exactly what your repayments were and when your loan would be paid off.

cahoot is a division of Santander UK plc. Registered Office: 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. cahoot, Santander and the flame logo are registered trademarks.