Scottish Friendly Reviews 3,134

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Evaluating 216 reviews, most reviewers were somewhat happy with their experience overall. Many people find the platform easy to use, appreciating the smooth process for setting up accounts and managing investments. Reviewers often highlight the helpfulness and politeness of the customer service staff, noting their efficiency in resolving issues and providing support. The process of adding and withdrawing funds is generally seen as straightforward, and many users are satisfied with the overall service provided. However, some people were dissatisfied with certain aspects of the payment system, particularly the waiting times for funds to clear and limitations on minimum payment amounts. There are also occasional reports of login difficulties and inconsistencies with the online system, which some users found frustrating. A few other people also felt that communication could be improved, especially when dealing with complex transactions or account closures.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, highlighting the ease of setting up accounts and... See more

Payment

Reviewers highlight ambiguous aspects of payment. Many customers express frustration with delays in... See more

Customer service

Consumers find customer service to be ambiguous. Many reviewers praise helpful and polite agents, with some... See more

Service

Users describe ambiguous interactions with service. Many reviewers report extremely poor service, citing... See more

Staff

People report ambiguous experiences with staff. Many customers praise the helpfulness, politeness, and... See more

Reviews shaping this summary

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

Rated 4 out of 5 stars

Easy to use ISA investment platform Even better if I could easily see how each fund they offer was performing

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 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


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 96% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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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

Rated 5 out of 5 stars

Easy and Simple!

I initially looked at Scottish Friendly as I had seen it had received awards for providing best Junior ISAs. It was easy to apply and it’s even easier to keep track on my child’s account. I have just made another account for my eldest, and will be creating a 3rd for my middle child. Would highly recommend! App is very simple to navigate!

5 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Easy to setup and navigate

Easy to setup and navigate. The one time I needed to speak to someone I got through to a very helpful, good English speaking chap who was very helpful. If you're looking to save with a plan you can use the calculator to see where your savings will be and when. I would recommend saving with Scottish Freindly.

4 November 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review.

Rated 5 out of 5 stars

The app is great for me

The app is great for me.

I log in and I see my balance.

I’ve not used any other features, but looking at the app, I don’t foresee it being an app that is difficult to navigate

29 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Child ISA

Great easy system to set up 👍
Set up a Child ISA for my grandson
Online set up was really simple and straightforward

20 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

Critical Illness Insurance Payout Warning

I paid into the critical health care insurance policy for years assured Scottish Friendly would be there for me when needed. I had a heart attack which led ultimately to needing to give up a well paid job. My claim was rejected due to a very narrow policy conditions I deem unfair. I met one condition being heart muscle damage (Troponin blood test) but I did not have an ECG which showed it - my type of heart attack (even though medically it qualifies as a heart attack) does not show it. The exclusion is on technical grounds and the lack of ECG change DOES NOT RULE OUT A HEART ATTACK. People should be forewarned that this insurer does not provide fair service

29 October 2024
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Fernando, thank you for your review. We are sorry to hear that your issue hasn’t been resolved to your satisfaction. We have referred your concerns to our Complaints Department for further review. They will investigate the matter and provide you with a response as soon as possible. To better connect you with your case 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 mention this is in relation to your recent Trustpilot review. Kind regards, Scottish Friendly

Rated 1 out of 5 stars

Terrible experience with Scottish…

Terrible experience with Scottish Friendly (more like Scottish Unfriendly). I set up child Isa x2 but then changed my mind. I spoke to them and emailed them to advise them to close the newly opened account. However, a lot of money was still taken from my account which left me in diffs. I was assured that I'd quickly be reimbursed. This never happened. Two weeks later my only option was to claim a direct debit indemnity through my own bank. Stay clear!!!

27 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Dan, we are sorry to hear you have had a negative experience with our Junior ISA product and we would like the chance to resolve this. We have flagged your issue to customer service, however we request that 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 in order to connect you with the right case. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

Simple to use

Simple to use, secure and accurate.

22 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

accessing my account trouble

Had awful trouble accessing my account online despite several attempts. Locked out in the end. Rang up, got Declan (only 1-2 minutes to wait for the call to be taken) he was great.
Unlocked the account, set up new password and was sorted in no time! So many thanks Declan!

21 October 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

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