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    Archived pages: 8 . Archive date: 2014-10.

  • Title: Banking online in the UK from cahoot
    Descriptive info: .. Skip navigation.. legal information.. security & cookie policy.. accessibility.. FAQs.. contact us.. 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.. www.. santander.. co.. uk.. Telephone 0870 607 6000.. Calls may be recorded  ...   by the Financial Conduct Authority and the Prudential Regulation Authority.. cahoot, Santander and the flame logo are registered trademarks.. Our Financial Services Register number is 106054.. You can check this on the Financial Services Register by visiting the FCA's website.. fca.. org.. uk/register.. or by contacting the FCA on 0800 111 6768..

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  • Title: security and cookie policy
    Descriptive info: security and cookie policy.. We are committed to protecting the privacy of all personal information which we obtain from you when you visit the cahoot website and when you use your cahoot account.. Our aim is to safeguard the security and privacy of your personal information whilst providing you with a personalised service that keeps you up-to-date with products and services which meet your preferences and needs.. By using the cahoot website, you agree to the collection and use of such information in accordance with the following Privacy Policy and Data Protection Statement.. For information on what we're doing to keep your money safe and what you can do to help see our.. online security page.. security.. We employ appropriate technical security measures to protect your personal information and ensure that it is not accessed by unauthorised persons.. Information storage is on secure computers in a locked information centre and information is encrypted wherever possible.. Our security procedures also provide that we may request proof of identification before we will release personal information to you.. We undergo periodic reviews of our security policies and procedures to ensure that cahoot systems are secure and protected.. What does 'This page contains both secure and non-secure items' message mean?.. This message occurs when the page displays both the secure and non-secure items, such as pictures.. You should select 'yes' to view the page.. Your financial details with cahoot are completely secure and in no way compromised.. cahoot will never send you an email asking you to enter, reconfirm or change your security details or other personal information.. As an additional security measure every customer email sent to you by cahoot will be addressed to you personally.. If you receive an email claiming to be from us that you are suspicious about, please forward it to.. phishing@cahoot.. com.. If you believe that that you may have disclosed your details in any way, please call us immediately on 0844 9000 900*.. *Calls may be recorded or monitored.. Calls to an 0844 number could cost up to 10 pence plus up to 6 pence per minute depending on your call plan.. Mobile and other providers' charges may vary.. Strengthen your defences against online identity theft.. Online fraudsters are using more sophisticated methods to commit online fraud.. They use hard to detect techniques to steal your online identity, when you bank online.. They do this without you even being aware that it has happened.. Anti-virus software and firewalls are very important to have installed on your computer, but they can't always protect you from these attacks, as fraudsters are developing more sophisticated ways of stealing your online identity.. Rapport needs to be used alongside your existing anti-virus and firewall protection to strengthen your defences online against identity theft and fraud.. Rapport has been developed by the financial security experts at.. Trusteer.. It has been described as '.. a major boost in fraud prevention.. ' by the.. Online Banking Report.. and they also named Rapport as 'Best of the Web'.. How Rapport Works.. Rapport strengthens your online security by 'locking down' the connection between your computer, keyboard and cahoot internet banking.. It helps stop your data going to counterfeit sites, so you can be safe in the knowledge that only you are transacting on your account.. Anti-virus software helps to stop threats, by scanning your PC and looking for suspicious files, whereas firewalls hide your computer from attackers, and helps stop criminals getting data in and out of your computer.. Rapport doesn't replace the benefits of anti-virus and firewall software or your unique image and phrase when accessing our internet banking - it works alongside them to provide increased protection when transacting online.. Why choose Rapport?.. Safeguard your identity.. - identity theft is one of the fastest-growing threats in the UK.. Peace of mind.. - Rapport tells you that you really are connected to your bank, and not a fraudulent website.. Protect your passwords.. - helps stop fraudsters accessing on your online banking details.. Well proven.. - Rapport was developed by the online security experts at Trusteer.. Easy  ...   is passed to third parties.. Two types of cookies are used on this website:.. Session Cookies.. These are temporary cookies, which only exist in the period you access the website (or more strictly, until you close the browser after accessing the website).. Session cookies help the cahoot website remember what you chose on the previous page, therefore avoiding having to re-enter information.. On our website, these cookies do not contain personal information, and cannot be used to identify you.. Persistent Cookies.. These are cookies, which remain on your device after you have visited our website.. These cookies help us identify you as a unique visitor (by storing a randomly generated number).. The length of time a cookie will remain on your device will depend on the type of cookie.. How to control and delete cookies.. cahoot will not use cookies to collect personally idetifiable information about you.. However, if you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings.. The Help function within your browser should tell you how.. Alternatively, you may wish to visit.. aboutcookies.. which contains comprehensive information on how to do this on a wide variety of browsers.. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies.. For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.. Application information.. In order to apply for the cahoot account or any other product or service featured on our website, you will be asked to provide certain relevant personal information which we need to process your application request.. We will use your information to confirm your identity and maintain your account.. Account information.. From time to time we may review the use of your account including any transactions you make to enable us to provide the best possible terms and service.. Credit reference agencies.. In accordance with standard banking practice, if you apply to open an account or increase any credit limit, we may seek a credit reference about you from a credit reference agency to help us check your credit status.. Who do we disclose your information to?.. In accordance with standard banking practice, if you apply for an account, we will provide certain information about you to a credit reference agency to carry out a credit assessment.. If you open an account, we will provide regular details about your use of your account to the credit reference agency.. Information held by credit reference agencies is available to other businesses to cross-check to prevent fraud and money laundering, trace debtors and assess credit applications.. Business partners.. cahoot does not sell, rent or trade your personal information to others.. However, cahoot may share your information with other companies in the Santander Group and its business partners include third parties who provide us with services to enable us to operate the cahoot website and the cahoot account.. We will endeavour to provide your information only to business partners who agree to use such information in a manner which is consistent with this policy.. joint Applications.. Where you and another person wish to open a joint account, each one of you needs to submit your own application details to us so that we know each of you has agreed to your details being used in accordance with this policy.. location.. From time to time, we may need to transfer your personal information outside the European Economic Area where this is necessary to operate your account or provide information to a cahoot business partner.. Where we do so we will take reasonable steps to ensure that your personal data receives similar protections as those within the European Economic Area.. Our.. data protection statement.. relates to the information you give in the online application form and to any other information which you provide to cahoot or which it holds on you whether or not you become a customer..

    Original link path: /security/security_and_privacy.html
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  • Title: legal T&Cs
    Descriptive info: important information about your use of this website.. Introduction.. These conditions govern the use of this website.. Where you are a customer they should be read in conjunction with cahoot.. general and product specific terms and conditions.. and cahoot.. CHAPS and International payments terms and conditions.. Where there is a conflict between any product specific terms and these conditions, the product specific terms will apply to the extent of that conflict.. Please read all terms and conditions carefully.. Eligible visitors.. Although others may be able to access this website, the materials on this website are directed solely at and are for use solely by those resident in the United Kingdom.. The products and services featured on this website are not available to any person or organisation resident or incorporated outside the United Kingdom.. Company and regulatory information.. Important information about compensation arrangements.. To print a copy of the FSCS compensation leaflet please click on the image.. We are covered by the Financial Services Compensation Scheme (FSCS).. The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.. Most depositors - including most individuals and small businesses - are covered by the scheme.. In respect of deposits, an eligible depositor is entitled to claim up to £85,000.. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000).. The £85,000 limit relates to the.. combined.. amount in all the eligible depositor s accounts with the bank, including their share of any joint account and not to each separate account.. For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please:.. call us on 0844 9000 900*;.. ask at your local Santander branch;.. refer to the FSCS website.. FSCS.. ;.. or call the FSCS on 020 7741 4100 or 0800 678 1100.. Please note.. only.. compensation related queries should be directed to FSCS.. Santander UK plc and cahoot.. Santander UK plc is an authorised deposit taker and accepts deposits under the Santander and cahoot trading names.. In the unlikely event of a claim, the maximum compensation levels above would apply to the combined total of all deposits held with Santander UK plc (including cahoot).. The Lending Code.. Santander in the UK (including cahoot) subscribes to the Lending Code which covers good practice in relation to loans, credit cards and current account overdrafts.. A copy of the Lending Code and the Guides to the Lending Code can be obtained from.. http://www.. lendingstandardsboard.. uk/thecode.. html.. Copyright and trade marks.. This website and the copyright in the materials on this website (including all text, information, graphics, animation and images) is owned by or licensed to cahoot.. cahoot and any other names,  ...   its business partners and do not constitute a warranty by cahoot that any such product or service is suitable for you.. It is your responsibility to ensure that any product or service for which you apply is suitable for your specific needs.. Although cahoot may recommend certain of its business partners' products or services to you, the relevant business partner is ultimately responsible for such products or services and cahoot does not warrant, and is not responsible for, the quality or availability of any such product or service.. cahoot's liability.. cahoot does not exclude or restrict, and nothing in these conditions should be read or construed as excluding or restricting, any duty or liability under the Financial Services and Markets Act 2000 (or any replacement legislation) or the rules and regulations for the conduct of business thereunder.. The terms and conditions under which any product or service is provided to you will govern our relationship with respect to that product or service.. However, in relation to your access to, and use of, this website and its contents, cahoot disclaims all warranties, express or implied including but not limited to any express or implied warranties as to satisfactory quality, availability, fitness for purpose or as to the accuracy or completeness of the information contained in any of the materials on the website.. Except as required by law and as stated above, cahoot shall not be liable for any losses or damages whatsoever, whether in contract, tort (including negligence) or otherwise arising from this website, or from any interruption or delay in access to the website for whatever reason.. Third party websites and products.. This website contains materials produced by third parties and cahoot accepts no responsibility or liability in respect of any such third party materials.. This website contains links to other websites and cahoot does not endorse or otherwise accept responsibility or liability for the operation or content of other websites which are linked to this website (or referred to in or linked to such websites) which are not under its direct control.. No third party is permitted to link any other website to this website without obtaining the prior written consent of cahoot.. Complaint volumes.. As part of our ongoing commitment to keeping our customers informed, Santander now publishes the number of complaints it has reported to the regulator.. This information relates to Santander UK plc, including cahoot, and can be viewed by clicking on the link above.. Mobile and other providers charges may vary.. Entire Agreement.. To the extent that you are not a customer and no product-specific terms and conditions also apply, these conditions contain the entire agreement between you and us relating to your use of our website.. Applicable law.. This website (including these conditions) shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes arising from this website.. cahoot 2007..

    Original link path: /legal/legal.html
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  • Title: accessibility
    Descriptive info: cahoot accessibility.. At cahoot, we are committed to continually upgrading our site to make it more accessible and usable for everyone.. We have recently invested in research and consultancy with specialist companies to understand how best to do this.. The resulting changes we have made mean that most users with special needs should have a much better experience, and we have tested the site with screen readers such as JAWS, Window-Eyes and IBM Home Page Reader.. In addition, if you wish, you can now change the size of text using the View menu in Internet Explorer for a more comfortable reading experience.. If you require paperwork in Braille or large print please click on 'contact us' to make your request.. As we strive towards making our site simple to use for all, we would welcome any feedback on further improvements.. Please click on 'contact us' to send us an email.. You may find it useful to read our hints and tips below to help you get the best out of cahoot.. general hints and tips.. adjusting the size of text in Internet Explorer.. To make reading on screen more comfortable, you can change the size of the text in your browser.. In Internet Explorer, choose View Text Size and then Larger or Largest to make the text bigger.. Choose View Text Size Medium to reset it to the default size.. Changing this setting may also affect any other web sites that you view.. Our secure banking site uses frames to display a separate navigation menu, and the available space for this is a fixed size.. In order that the options remain in view and do not overflow the visible space when you make the text size larger, the size of the cahoot navigation menu text will not change when you do this in Internet Explorer.. If you use the Accessibility options in Internet Explorer to.. Ignore Font Sizes Specified on Web Pages.. (Tools Internet Options Accessibility), the navigation menu text may overflow the space available when the font size is set larger than default.. If you think you may be missing items from the menu and you have used this option, try making the text size smaller using the View menu, or turn off the option.. navigating the site using the keyboard only.. In our testing we have ensured that all site functions can be accessed using the keyboard only, with the exception of 'any questions?', our online help system.. Plans are in place to make 'any questions?' fully accessible with the keyboard as soon as possible.. On our marketing site we offer additional shortcut keys that allow rapid navigation to important pages.. We are following the UK Government recommendations for accesskey assignments which is emerging as a worldwide standard:.. 1 - Home.. 3 - Site map.. 6 - Help.. 8 - Terms and conditions.. 9 - Contact us.. 0 - Accessibility.. S - Skip navigation.. Please note; these access keys have not yet been implemented in our application process pages.. We are working to add these as soon as possible.. Also, for Netscape browser users using the secure banking site, to activate accesskeys please click on the purple area at the top of the page or tab to one of the links at the top of the page.. javascript and popup windows.. JavaScripts are small programs built into web pages to add extra features, such as the ability for a web page to open popup windows or check that you have completed a form  ...   the navigation always stays in view for users with visual browsers.. In a screen reader, this means you can always skip quickly to the main content within the window or to the main navigation links by using your frame navigation keys.. For example, JAWS users can press M or Shift-M to easily move forward and backward through the frames.. navigating using headings.. All pages use HTML headings where appropriate, and the main content always starts with a level 1 main heading.. This provides a useful way to skip directly to the content in most screen readers by pressing the shortcut key for headings.. You may find it useful to go to the top of the page first, to ensure that the next heading read will always be the main heading for the page.. For example, JAWS users can press H or Shift+H to move to the next heading, 1 or Shift+1 to move to the next level one heading, and Insert+F6 to display a list of all headings on the page.. navigating tables.. We use tables for general layout within our web pages, and also for laying out rows and columns of information (data tables).. We have done our best to ensure that content will always read in a logical manner, but in some data tables you may find it hard to understand the meaning of each item when the table is read in a linear fashion.. In this event, you can use your table navigation keys to have the screen reader announce the relevant headers for each data cell.. For example, JAWS users can press Ctrl+Alt+arrow keys to move around the table and read the headers for each cell, or press Ctrl+Alt+NumPad 5 to read the headers for the current cell.. Data tables will always have a summary that you can hear in your screen reader.. Data tables are always separate from layout tables, so you can find them easily using your table navigation keys.. For example, JAWS users can press T or Shift+T to move to the next table and read its summary.. reading special symbols in JAWS.. On certain pages we have footnote symbols such as the dagger , double dagger and one or more than one asterisk * on the page to indicate further information available at the bottom of the page.. These may not be read in the JAWS screen reader unless the option below is set to 'all':.. To read all special characters in JAWS, choose Options Voices Global Adjustment and set Punctuation to 'All'.. Window-Eyes refresh issue while applying for a cahoot product or account.. If you are using the Window-Eyes screen reader from GW Micro on its default settings to apply for a cahoot product, you may have trouble completing our application process.. There is a point where Window-Eyes prevents the browser from moving on to the next page once your details have been verified.. This is because a browser refresh command is used within the page to periodically check whether the verification is complete, and this cannot be done by any other means.. In order to avoid any problems, we recommend that you set your preferences in Window-Eyes to allow browser refresh until you have completed the application process.. To do this in Window-Eyes 4.. 5,.. Open Window-Eyes.. Choose Global Verbosity MSAA.. Select Miscellaneous from the elements list.. Choose the radio button Do Not Suspend Refresh.. Click OK.. Once you have finished, you can follow the steps again and set the option back to its previous setting..

    Original link path: /accessibility/accessibility.html
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  • Title: FAQs
    Descriptive info: frequently asked questions.. What is your phone number?.. What's the cahoot address?.. When will my account be opened and available?.. How long does it take for a cahoot account to be set up and ready?.. How do I make repayments to my credit card?.. How can I use my debit / credit card abroad?.. How do I make a transfer or withdrawal from my account?.. How long does it take for a payment to transfer to another account?.. What proof of name and address do I need to supply to open an account?.. I am eligible for tax free savings, what do I need to do?.. How do I make a complaint?.. Our application support line is 0844 9000 900.. You'll need to answer some brief security questions to access your account information.. You can also make use of the automated telebanking facility if you have one of your cahoot cards or your 10-digit cahoot.. customer number.. What's the cahoot address?.. The best way to contact cahoot is by using our website.. Simply click the 'contact us' link to send us your email message.. Our postal address is:.. cahoot, 3.. rd.. Floor, Friars House, Manor House Drive, Coventry CV1 2TE.. When will my account be opened and available?.. Once you have been conditionally accepted at the online application stage, we will then send you documents for you to sign and return.. Once we have received all the required information from you and in normal circumstances the account will be open within.. 48 hours of receipt of the documents, and an email will be sent to confirm the account is open.. The process from start to finish usually takes around 10 days, assuming you return your signed Agreement as soon as possible after you receive it.. Your credit card's minimum payment is paid automatically each month via your direct debit.. If you wish to pay more than the minimum amount, choose 'change your  ...   your total credit card limit in cash (up to £500 per day).. To see the charges associated with cash advances, go to the Rates Fees page within the secure site to see your terms conditions.. An improved Faster Payments service is now available for you to transfer money between accounts.. Transfers made before 5pm will usually arrive in the destination account on the same day as you send them.. Transfers made after 5pm may take up to the end of the following working day to credit the destination account.. Please click.. here.. for further information on the Faster Payments scheme.. What proof of name and address do I need to supply?.. To process an application, or 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 (but not store card) statements, bank or building society statements and utility bills (such as gas, electricity).. A full list of acceptable identification is available by clicking.. I am eligible for tax free savings, what do I need to do?.. If you are eligible for tax free savings you will need to complete an R85 form available for download at.. http://search.. hmrc.. gov.. uk/kb5/hmrc/forms/view.. page?record=nCRoVNw8-lk&formId=835.. This link also provides help and guidance to complete the R85 should you need it.. Please send the completed R85 form to.. How do I make a complaint?.. At cahoot it is 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.. When things do go well we would also like to hear from you.. The.. How to complain.. leaflet tells you how to make us aware of a problem and what we will do to resolve it promptly and fairly.. top..

    Original link path: /any_questions/faq.html
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  • Title: Contact Us
    Descriptive info: If you have a query that is not about your specific account details, why not click on.. 'FAQs?'.. first before getting in touch and your question could be answered instantly.. To go there now, click on the link below.. FAQs.. If you still want to get in touch, please click on the relevant link below to send an email.. If you're already a cahoot customer, please log in  ...   Click below to send us an email about:.. cahoot products.. Security issues.. phishing.. Technical issues.. Any other issues.. Or, you can call us on 0844 9000 900.. *.. We're open from 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday.. Calls could cost up to 10 pence plus up to 6 pence per minute depending on your BT call plan.. Calls may be monitored or recorded..

    Original link path: /contact_us/contact_us.html
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  • Title: online security
    Descriptive info: online security.. what we're doing to keep your money safe.. At cahoot,.. is of utmost.. importance.. So that you can bank in.. confidence.. , we employ the latest technology to keep your personal details safe.. So rest assured that as long as you follow the precautions, you'll never have to pay for any banking activity that you haven't authorised.. We undergo periodic reviews of our security policies and procedures to ensure that cahoot systems are secure and.. protected.. personal details.. logging in to cahoot.. encryption.. time out.. When logging into cahoot, you will need to enter your security details and then use.. drop down lists.. for your password.. The password characters, once selected, will.. not be visible.. All this is to help against fraud but remember, never write down or reveal your security details to anyone.. If you make 3 incorrect log-in attempts we will.. disable.. your access to cahoot.. You will then need to go through the 'forgotten your password / memorable information' process to reset, which can be completed online.. Once you have logged into the cahoot banking site your session will be hosted on a secure.. 128-bit encrypted.. server.. Encryption converts your information into an encoded format before it is sent over the Internet.. You know you are in a secure session when you see two things.. Firstly, the.. padlock.. icon should appear in the bottom right hand corner of your browser.. Secondly, the web address (URL) will change to one beginning.. https://.. in your browser address bar.. You should ensure that these have.. both.. happened before continuing any further.. When you haven't used your cahoot banking session for over 10 minutes we will.. log you out.. of the cahoot site.. This provides an.. extra.. safety-net in case you forget to log out.. what you should do to help keep safe.. You have seen some of the steps we take to help prevent fraud but there are ways for you to boost this protection.. 'phishing' / fraudulent emails.. 'pharming'.. trojans.. browsers / operating system.. wireless networks / broadband routers (Wi Fi).. firewall / anti-virus software.. cookies.. examine all transactions.. public places.. log out.. Recently there have been quite a few fraudulent.. emails.. assuming the identity of UK banks, encouraging people to share user names and passwords.. These authentic-looking messages sometimes include the organisations' logos and are designed to fool people into divulging their.. personal information.. We would like to confirm that cahoot does not send any emails to customers requesting their security details or any other confidential information.. If you receive an email reporting to be from cahoot asking you to input your details then please let us know.. At anytime, if you feel at all suspicious about it,  ...   recording.. your logging-in details.. A good line of defence is not to accept files from someone you don't know, and if you have any doubts, then.. do not open.. the file.. Always try and keep your operating system (e.. Windows XP) and web browser (e.. Internet Explorer) up-to-date.. They are not infallible products, which is why the makers often provide.. patches.. to correct problems.. To.. stay informed.. , have a look at the following websites:.. microsoft.. (opens new window).. and.. netscape.. (or visit the website of the relevant operating system or browser that you are using).. When using wireless networks always ensure all security features are turned on so nobody else can access your information.. We strongly advise you to review your configuration and ensure that strong encryption and authentication features are turned on.. Features such as 128bit.. WEP.. and the more recent, and more secure,.. WPA.. encryption technologies are essential to protecting your data.. For further information on Wi Fi security go to.. getsafeonline.. If you can, use a.. personal firewall and anti-virus software.. to prevent unauthorised access and viruses being downloaded onto your PC when you're on the Internet.. Anti-virus software is available from many suppliers such as McAfee (.. mcafee.. ) Symantec (.. symantec.. ) and some companies provide free versions of their software.. Do try and remember to keep them updated with the latest versions.. These are small files stored on your computer's hard drive.. They don't cause any problems and are used to recognise users so you get a more consistent experience on our website.. For more information on cookies and instructions on how.. to enable / disable cookies from your browser click here.. This is a very important area and one you can ensure is kept.. hidden.. You should never write your personal details down or share them with anyone.. Regularly.. check.. your transactions by looking at your account status and statement pages.. If you find anything suspicious then report it, by clicking on '.. ' from your personal homepage.. Whenever you are using a PC in a public place such as a.. cyber café.. , be extra careful.. Ensure there is nobody behind you when you are entering your passwords.. Never leave your PC logged on to your cahoot account.. Once you have.. finished.. , always remember to.. log out and shut down your browser.. This is especially important if you have been using a public PC.. For further information on web security please visit.. banksafeonline.. uk.. This is the UK banking industry's initiative to help online banking customers stay safe online.. This site is run by APACS on behalf of its member banks and explains the latest security threats and how to avoid them.. S..

    Original link path: /security/online_security.html
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  • Title: travelpage
    Descriptive info: You can use your cahoot debit and credit card abroad to make purchases and to withdraw local currency from cash machines as and when you need it.. Simply look for the Visa sign and feel secure knowing that it s a safer option than carrying large amounts of cash or traveller s cheques.. You can use either your cahoot debit or credit card to withdraw up to a maximum of £500 cash a day (depending on your available balance / credit limit).. Before travelling overseas.. If you're planning a trip abroad, especially outside of the EU, and want to make sure your debit / credit card works just the same as it does at home, it is advisable to contact us by sending us a secure message through your secure personal homepage or by sending us an email to let us know the dates you will be away and the countries that you will be visiting.. Make sure your contact details, especially your mobile telephone number, are up to date, so that cahoot can contact you while you are abroad should we suspect fraudulent activity on your account.. The easiest way to do this is via Online Banking within the Change my details section.. You can also log on and send us a secure message or call us on 0844 9000 900.. Calls may be monitored or recorded for training and security purposes.. We re open from 8am to 8pm Monday to Friday, and 9am to 5pm on Saturday.. Register for our SMS or email alert service to keep you informed of your finances whilst you re away.. Lost or stolen cards.. If you think your card has been lost or stolen, or blocked for fraud protection reasons when trying to use your card, you should call us as soon as possible on:.. 0844 9000 900 (in the UK) or 0044 1908 937222 if you are outside the UK and outside working hours.. Fees and charges debit card.. Charges apply when you use your debit card abroad:.. Making a purchase abroad or online in a currency other than sterling to buy goods or services.. Withdrawing cash abroad (either in a bank or at a cash machine), or to purchase traveller s cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Visa sign) in a currency other than sterling.. You will be charged a non-sterling.. transaction fee of 2.. 25% of the value.. You will be charged a non-sterling transaction fee of 2.. 25% of  ...   withdrawal.. 5% (min £1.. 84.. 79.. Credit card.. cash withdrawal.. ** Visa exchange rate as at 02/06/14 of 1 = 0.. 814598.. Top tip.. If you're given the option of paying in either local currency or sterling, it s usually best to choose local currency, unless you are certain that the exchange rate is favourable.. If you choose sterling, it means that the retailer or bank will handle the conversion and may also charge a higher conversion fee or a foreign usage fee (or both).. Some cash machine providers may also apply an additional withdrawal fee for using their cash machine.. Tips when using your card abroad.. Before you leave:.. Check the expiry date on your card.. Make sure that you have enough funds in your account, or that your card payments are up-to-date.. Photocopy your card and passport, but keep the photocopies separate.. Write down the telephone numbers for our assistance call centre.. Register for our alert service.. You can register for SMS or email alerts to be sent to you to keep you informed of your finances through the personal homepage.. When you get there:.. Try not to keep cards and cash in the same place - that way you won't lose everything.. In crowded places, hold bags or wallets close to your body.. A money belt can also be very useful.. When using cash machine make sure they are secure and well lit, especially at night, and don't make it obvious that you are carrying cash.. Memorise your Personal Identification Number (PIN) and do not write it down.. If you do write it down you must disguise it so that it cannot be understood by anyone else.. Remember to use your hand to shield PIN entry at point of sale or cash machine.. When you pay with your card, check the information on the sales voucher before you sign or enter your PIN.. Ensure that when paying with your card, it is in sight at all times and that transactions are carried out in front of you.. Use safety deposit boxes or room safes in hotels.. Keep a copy of all sales receipts and check them against your statement.. Contact us if there is anything on your statement you do not recognise.. Contact Us.. If you still can't find the answer you are looking for and you re logged on to Online Banking, you can contact us by secure message or by email at.. contact.. us@cahoot.. Please remember, if emailing, do not include any account related information for security purposes..

    Original link path: /rates_fees/fees_travel_overseas.html
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