Scottish Friendly Reviews 

3,163
TrustScore 4 out of 5

3.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 201 reviews, reviewers had a great experience with this company. Customers found the user experience to be very easy to navigate and set up, with many appreciating the straightforward process for managing accounts and making contributions. The staff are frequently praised for being helpful, professional, and patient, providing clear explanations and excellent support. Many people highlight the exceptional customer service, noting that representatives go above and beyond to resolve issues and ensure a positive experience. However, some customers also noted issues with payments, such as delays in processing and limitations on the amount or frequency of contributions. A few other people also felt that the service could be inconsistent, with some experiencing difficulties with login, incorrect staff advice, or poor communication regarding transactions.

What people talk about most

User experience

Customers consistently note positive experiences with user experience, particularly praising the ease of... See more

Payment

Consumers find payment to be ambiguous, with some reporting ease in adding and withdrawing funds, while... See more

Staff

Customers had positive experiences with staff, frequently praising their politeness, patience, and... See more

Customer service

Users describe ambiguous interactions with customer service, with many reviewers praising the politeness,... See more

Service

Reviewers highlight ambiguous aspects of service, with some customers praising the quick and efficient... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Useful little app to keep track of your savings. When I have had to contact SF to sort out administration on my Bond they called back promptly and I was able to sort things out with a real human being... See more

Company replied

Rated 4 out of 5 stars

We set up this account for my son and only my husband has access to view the account in full, but it’s super easy for other family members to make contributions too. You just send them a link, they re... See more

Company replied

Rated 3 out of 5 stars

In the main, I find the company very good. However, the website can be hard to follow for elderly people and could do with more explanation. For example. If someone is looking to invest a one-off lump... See more

Company replied

Rated 3 out of 5 stars

Completing application constantly glitching. Won’t accept email address saying it’s not valid. Said technical team will look into issue. Second time of trying to apply online for an ISA!

Company replied


Company details

  1. Investment Company
  2. Financial Institution

Written by the company

Scottish Friendly is one of the UK’s leading financial mutuals and we’ve been around since 1862. Being a mutual organisation means that we’re owned by our members, not shareholders, so all the profit we make is used for the benefit of our members. Scottish Friendly believes investments should be for everyone. We aim to offer affordable investments and protection plans, to be fair on cost and to offer a quality, secure and trustworthy experience however you deal with us.


Contact info

3.8

Great

TrustScore 4 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 100% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

3.8

All reviews

(3,163)

191 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 3 out of 5 stars

Not the greatest customer service

Not the best customer service, I called to update my bank account to make a withdrawal from my ISA and was asked to send a bank statement to prove my account belongs to me, as I have a brand new bank account I couldn’t do this as no statements had been generated yet, I managed to get a letter from my bank showing all the details Scottish Friendly had asked for but after sending this to them the lady on the phones exact words were “I asked for a bank statement not this, but ok” In a very sarcastic tone, she then proceeded to put me on hold for 10 minutes whilst she spoke to a colleague for advice before coming back and saying she had referred my documents on to be checked. Quite frustrating.

27 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Billy, we are sorry to hear that you have not received a good experience with our customer service department. If you would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number and we can have someone look into this for you. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Registering for saving

Very simple. Very quick. Took me 2 mins and I am all signed up and saving

27 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review Janet. Best wishes, Scottish Friendly.

Rated 4 out of 5 stars

further investment offer

as an existing customer I am very confident to continue investing

25 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Graham, thank you for your 5 star review. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

So good to understand

So good to understand

23 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Quadri, thank you for your 5 star review. Best wishes, Scottish Friendly

Rated 5 out of 5 stars

Good information

Good information. Easy to use and choice of products.

18 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Judy, thank you for your 5 star review. Best wishes, Scottish Friendly

Rated 1 out of 5 stars

5* for signing up. 1* for paying out. Go figure

My wife has had to deal with multiple mistakes and plenty of stress in helping her parents with their policy. If you look at your reviews, you'll see that almost all of the 5* reviews relate to setting up accounts etc (they obviously make sure to do a good job in getting people on board). The 1* reviews relate to people who wanted to get the service they paid for.

6 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Rich, we are sorry to hear your wife has been having problems helping her parents with their policy. If you or your wife would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information, the full name, postal address, date of birth, policy number we have on file for the policy and we can have someone look into this for you. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Great Website

Excellent fund information presented in way easily understandable for the layman

18 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

Website easy to navigate

Website easy to navigate. Information concise. Clear instructions. Would recommend.

7 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Hi Margaret,

This is great to hear. Thank you for taking the time out to leave your review.

Regards

Scottish Friendly

Rated 1 out of 5 stars

Melf and my wife had 2 endowment…

Myself and my wife had 2 endowment policy's with this company and in both instances when the policy's had matured it became ridiculously difficult and time consuming for our money to be payed into our Bank accounts. The reason for this was the incompetence of the Senior Partners or Management to sign of on our policys. They showed a complete lack of professionalism in their job and left the people in customer service to try and appease me with my concerns. If it wasn't for the understanding and appity of these front line people this company would be in a sorry state. My thanks to Karen and Fraser but especially to BROGAN. This girl went over and above to assist me with my issues and I will be eternally grateful to her. So Senior Partners learn from your front line staff on how to be Professional.

10 July 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Paul, we are sorry to hear that you have not received a good experience. If you would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number and we can have someone look into this for you. Kind regards, Scottish Friendly

Rated 1 out of 5 stars

As executor to a deceased persons…

As executor to a deceased persons estate I unfortunately had to deal with Scottish Friendly. Never in my 50 years in business have I come across such a shambolic operation. Mistake after mistake,delay after delay it went on and on. When I lodged a complaint against one call handler who couldn't understand the most basic question became rude and refused to let me speak to anyone else I was told the recording of the conversation would be reviewed by a manager and that I would be contacted. I never heard a thing after that. If anyone ever requests that I deal with Scottish Friendly on their behalf again I will say no. This platform ought to offer no star ratings as that would be my opinion and from looking at other reviews many other people would do the same. A truly horrendous experience.

9 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Richard, we are sorry to hear that you have not received a good experience from us. If you would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information. Your full name, postal address, date of birth, policy number and we will ensure that have someone looks into this for you. Kind regards, Scottish Friendly

Rated 1 out of 5 stars

I will never trust this company with my money again

Update: Scottish Friendly are trying really hard to get my review removed. Such a dodgy practice. People need to be aware of bad service when investing their money.

Closed my account. No email confirming closure. The accounts on the online portal are all gone and apparently so is all my money.

It would be great if they communicated, answered emails sent to customer service or just sent an email to confirm closure and what is happening with my money.

Right now I feel robbed.

Their bot response is a joke. I have sent an email. I've sent three. Zero response. How about your actually deal with your customer properly.

Terrible company. I will never put a penny near you again.

12 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Shaun, we are sorry to hear that you have not received a good experience from us. If you would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information. Your full name, postal address, date of birth, policy number and we will ensure that have someone looks into this for you. Kind regards, Scottish Friendly

Rated 1 out of 5 stars

Money losing ISA

All the charges makes this a money losing ISA. I have several ISAs with different providers and this is the only one going backwards.

Also beware, I created a pot within my ISA that had £100 in. I decided to close the pot and the £100 has disappeared. It's not been added back to my main ISA and there is just zero trace of it. It doesn't help that the app provides such limited data. It is incredibly user unfriendly.

There is a monthly "management" charge and in over two years I've never received any interest or bonus payments. I have less money than I put in and they keep charging. Lol what a rip off.

Also be aware if you try to close your ISA and withdraw your money they charge you at least £50 for the pleasure.

So dodgy I wish I never opened an account with Scottish Friendly.

Avoid is my advice. There are many better options.

19 July 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Shaun, we are sorry to hear that you have not had a good experience with us. If you would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number and we can have someone look into this for you. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Easy to do.

Easy to open.

28 March 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Adrian, thank you for you 5 star review. Best wishes, Scottish Friendly

Rated 3 out of 5 stars

Friendly, but old

The site is easy to fill, but unreliable. The house address comes automatically but is shortened, try and correct it and the back cursor does not move easily. When all is done the web page says, 'Sorry, this page is not working, phone....'. When I phone they cannot see/fix the problem, I have to take a photo and send by email. Somehow this is an old fashioned company with an old fashioned IT department, run by above 80's....the BOD should use the process and see how cranky the pages are

14 July 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Saiful, we will take your feedback onboard. Thank you, best wishes, Scottish Friendly.

Rated 5 out of 5 stars

Love the ‘pots’ for savings!

Love the ‘pots’ for saving for various projects or plans. Makes it very personal and helps savings plans.

12 July 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Paul, thank you for your 5 star review. Best wishes, Scottish Friendly.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look