Scottish Friendly Reviews 3,141

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 213 reviews, most reviewers were somewhat happy with their experience overall. Customers generally find the user experience to be positive, highlighting the ease of setting up accounts, navigating the platform, and managing investments. Many appreciate the straightforward process for adding and withdrawing funds, as well as the clear accessibility of information. However, some people were dissatisfied with aspects of payment processing, noting delays in funds clearing and issues with minimum payment amounts. There are also concerns regarding customer service, with some experiencing difficulties logging in, receiving inconsistent advice, or facing challenges when trying to resolve issues, particularly with account closures or pension payouts.

What people talk about most

User experience

Customers generally report positive experiences with the user experience, particularly praising the ease of... See more

Payment

Consumers find payment experiences to be ambiguous. While some reviewers report easy processes for adding and... See more

Staff

Users describe ambiguous interactions with staff. Many customers praise individual agents for being helpful,... See more

Customer service

People report ambiguous experiences with customer service. While some customers praised the helpfulness,... See more

Service

Reviewers highlight ambiguous aspects of service, with many expressing significant dissatisfaction. Customers... See more

Reviews shaping this summary

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 4 out of 5 stars

Can't do instant payments need to wait 10days for them to clear and can't do payments of less than £50 as a single mum of 4 kids who can't work these points male it very difficult to save for my kids... See more

Company replied

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

Very easy to add funds and withdraw funds. You always know how much more you can add to your ISA. The only gripes I have are the changes they made so we can’t compare performance using graphs, and I... See more

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

3.7

Average

TrustScore 3.5 out of 5

3K reviews

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

Replied to 100% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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Rated 5 out of 5 stars

Scott was such a great help with…

Scott was such a great help with setting up my account,very patient and talked me through every step. Customer care took to the next level thank you so much

11 December 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review.

Rated 1 out of 5 stars

Changing a mistake an nightmare

Make a mistake opening my Son JISA.
Trying to get that sorted and it’s been a nightmare.
Customer service appealing on our 3rd attempt.
Your not the main contact-another issue
Your brother is over 16 got to sort it himself
And here we are now.

8 December 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Anthony, thank you for your review, we are so sorry to hear that you have not had a positive experience. We would like the opportunity to fix this for you. If you wish to discuss this further, can you please send the following details to our customer contact centre, and we can have someone investigate this for you. We will need your full name, date of birth, policy number and contact details emailed to contactus@scottishfriendly.co.uk. Kind regards Scottish Friendly.

Rated 1 out of 5 stars

As a grand mother I opened an account…

As a grand mother I opened an account for my grand daughter. Everything appeared fine. The DD was set up. I phoned after to make sure the account was up and running. Was told yes. My grand daughter wanted to see her account and I discovered I was unable to log into the account. After e-mails to them, I received an office response to each, waited the time scale and then I phoned them to be told this company does not do these types of accounts. My account had been closed. If you put this into the search this company emerges. So I would not bother.
You gave me hope in your reply and I got in touch: after series of secruity questions and a promise you would get back to me within 3-5 days I waited. Still waiting... Silence
Conclusion, a product that is not available can not be fixed.

1 December 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Elisabeth, thank you for your review, we are so sorry to hear that you have not had a positive experience. We would like the opportunity to fix this for you. If you wish to discuss this further, can you please send the following details to our customer contact centre, and we can have someone investigate this for you. We will need your full name, date of birth, policy number and contact details emailed to contactus@scottishfriendly.co.uk. Kind regards Scottish Friendly.

Rated 5 out of 5 stars

I had trouble logging into my account

I had trouble logging into my account. I telephoned, I did not have to wait long before the call was answered. The problem was soon resolved with the lady staying on the line until I had gained access to my account. Once in my account the transaction I wished to make was very straight forward, easy to follow steps and some of the boxes were automatically filled, name, address and bank details etc.

2 December 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

So easy to use

28 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

Appalling company

Appalling company when it comes to transfering your pension. Over a month and still not done. Spoke to Arron last week who advised would be received within 3 to 5 working days ...no. called today only to be told that that was rubbish he had said and the transfer hadn't been actioned as they needed another form. I explained as I had to Arron that a second form had been sent which Adam confirmed had been received. Hence the pension being sorted within 3 to 5 working days. Amy today confirmed that it had been received and would escalate it. Complaint raised. So please avoid this company as all you get is lies

26 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Caroline, thank you for your review, we are so sorry to hear that you have not had a positive experience. We would like the opportunity to fix this for you. If you wish to discuss this further, can you please send the following details to our customer contact centre, and we can have someone investigate this for you. We will need your full name, date of birth, policy number and contact details emailed to contactus@scottishfriendly.co.uk. Kind regards Scottish Friendly.

Rated 5 out of 5 stars

New investor

Easy user friendly services and also downloaded the app which is more convenient

5 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Had a pension which I did not know I…

Had a pension which I did not know I had, which had been transfered from Canada Life. They contacted me to let me know and the withdrawel only took a month for everything to complete and get the pay out.

13 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

Just appalling

Just appalling! Instructions don't match what is required. I had to make choices that did not match what I was actually doing as the choices needed did not exist. Staff advice is incorrect. Log in produces anomalous results. Locks out. For me, one of the worst website log in experiences ever.

14 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Elliot, thank you for your review, we are so sorry to hear that you have not had a positive experience. We would like the opportunity to fix this for you. If you wish to discuss this further, can you please send the following details to our customer contact centre, and we can have someone investigate this for you. We will need your full name, date of birth, policy number and contact details emailed to contactus@scottishfriendly.co.uk. Kind regards Scottish Friendly.

Rated 5 out of 5 stars

Best ISA

Karen was really kind and helpful today

Kudos to a team member like that

Thanks

Mr Seth

14 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 2 out of 5 stars

Never received a welcome pack

Never received a welcome pack. Communication is quite poor.

14 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Michael, thank you for your review, we are so sorry to hear that you did not receive your welcome pack. We would like the opportunity to fix this for you. If you wish to discuss this further, can you please send the following details to our customer contact centre, and we can have someone investigate this for you. We will need your full name, date of birth, policy number and contact details emailed to contactus@scottishfriendly.co.uk. Kind regards Scottish Friendly.

Rated 5 out of 5 stars

I have been investing with Scottish…

I have been investing with Scottish friendly for a few years.

The ease arranging the investment portfolios and staff communication is excellant.

Fund investment is varied and easily managed.

Accessing funds is very straight forward.
Highly recommended.

14 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Quick and easy to set up…

Really easy to open an account and have it directly linked to my grand child's junior isa.

4 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

very easy to navigate site

very easy to navigate site & understand products

31 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Very easy to follow the steps and get…

Very easy to follow the steps and get set up, not a single bad word for this company

12 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

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