Scottish Friendly Reviews 

Hi I can't really say much cos I just come on board so what I can say is you can be trusted.

Rude, unhelpful and utterly flippent in their communications, at a time when people are often suffering a breavement.
The staff are really callous.
IMO not to be trusted or used for anything significant.

Best and best customer service

I opened account for my 1st son with scottish friendly and i was very happy doing investment with scottish friendly.

On account's maturity i received money with profit

Well where do you start with this bunch? Paid policy for 17/years for a grandchild until she could surrender it at age 18…..paid it month by month all those years and then they did not apply for the last payment by usual direct debit….my bank confirmed that in writing.
They sent a cheque for £1815 on 10 July 2025 to my Grandaughter but by then I had paid into the policy £1970….16 years 5 months x £10 it would have been £1980 had they bothered to collect last premium by direct debit used throughout the policy. That is paid in £1970 and get a return of £1815? Loss of £155! Although it was not my policy as I paid it for my Grandaughter (she was owner) they sent all the Surrender Values and her details to me without her permission….breach of Data Protection? Scottish Friendly said it was not a breach so why sent to me when three months earlier they wouldn’t talk to me about the policy saying it was my granddaughters and even though I paid the policy they were not going to talk to me about it!
My Grandaughter complained and on 29th July 2025 another cheque for additional £438….now money received was £1800+438=£2238 a profit in 16 years 5 months of £268…..how miserable is that? They then on 4th August 2025 sent my Grandaughter £75 Compensation.
This is a regulated firm who have got away with things when they firmly deserved punishing hard for incompetence …..the question I ask is if grandaughter had taken the £1800 initially and not complained it’s a question would she have received the two other cheques?
So without any hesitation I think Scottish Friendly are a firm to AVOID unless you want poor service and extremely poor investment like this case.
They messaged on Trustpilot to get in touch ….i know they would like to get me to delete this review…not bloody likely…BUT I did email them, willing to talk gave them a contact number but heard nothing at all from this aweful disorganised group who don’t like an honest review like mine… it doesn’t suit them but it sure suits me giving a true version of what they did and how they worked. Shame on you Scottish Friendly.

I thought this was a safe place to put my child’s funds and only realised after organising to send accross that it’s actually stocks and shares I hadn’t set up direct debit as yet and was going to when it’s said about % s and
This worried me. I called Scottish friendly and asked for them to stop taking any funds and to cancel the account I still haven’t recieved a email to advise this is now closed and it’s been 4 days.

It would be very importálni to me because l get little l have heard a lot about it it is very goond

Easy to use App
Can have various "pots" for different purposes

I had your ISA a few years ago it was a very good isa I am happy with your service

Another insurance company you are Nosy gets and are only open Monday too friday 9am till 5pm good job i don,t die Aboard or on a weekend

reply good and it’s not confusing

I have just taken a 5 year savings plan out with this company. The service i have received has been excellent,as I have never used scottish friendly before.

Used the app to day to restart monthly investments which I’d paused. Easy to use
Quick to update investments or change payments. Would recommend.

This is the worst user experience I have come across in financial services. Awful log on, can’t just add a top up and I have fed back numerous times. I can’t add money to my godson account and tried to call and the phone lines are off!!!! Awful awful awful

I logged in to simply add a one off payment and had to go through an investment choice process AGAIN,Thi was frustrating.

Love the different pots offered, I love the customer service team every time you call them they are so friendly and supportive

Really easy to set up my daughter's trust fund ISA account. Looking forward to watching the money grow so she's set for life in the future.

Find the app excellent to track my investments

I will give my review 5 stars and would recommend to anyone.
But and it's a big but why is the Scottish Friendly fund prices so out of date today September find prices are only upto 15th August two weeks out of date. I follow the prices on the app so I can judge how much I invest each month but I have to change my direct debit ten days before the end of the month because the add money to account doesn't work. I have been investing in the fund over 10 years which is a big success but alas from the 12th September they are winding it up !