Scottish Friendly Reviews 

3,163
TrustScore 4 out of 5

3.8

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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

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3.8

All reviews

(3,163)

192 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 5 out of 5 stars

very easy to navigate site

very easy to navigate site & understand products

October 31, 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

November 12, 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!

November 5, 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.

November 4, 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

October 29, 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

October 20, 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

October 29, 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!!!

October 27, 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.

October 22, 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!

October 21, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Follow up excellent

October 21, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

Awful company

Awful company , trying to transfer money out of an ISA has now taken since 25th September for a simple transaction.Poor communication and i feel they are usin staling tactics to retain the money in their grubby paws. Supposed to take five working days, But if you cancel a direct debit they are in touch within two days.

September 29, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your review, we are so sorry to hear that you did not have a positive experience and 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

Ease and secure

I've been looking for an isa , ease of setting up with a professional service, very secure so secure I couldn't even remember my sign in details

October 11, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you Stephen for your 5 star review.

Rated 1 out of 5 stars

No communication despite sending…

No communication despite sending several emails requesting confirmation would not receommend

October 6, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Theresa, we are so sorry to hear that you did not have a positive customer service experience and we would love 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.
Best wishes, Scottish Friendly.

Rated 1 out of 5 stars

Appalling customer service

Appalling customer service from Scottish Friendly (or should I say, Unfriendly!).

If I could, I would give ZERO stars. Scottish Friendly do not take responsibility for their failures and certainly do not take complaints seriously.

They are poor communicators and their customer service team (if you can call them that) are unfriendly, unhelpful and rude.

October 15, 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Luca, we are sorry to hear that you have been dissatisfied with the service you have received. We can see your issue has been solved on our end. We thank you for your feedback and we will take this back to our team. Best wishes, Scottish Friendly.

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