i do sincerely apologise for the review I left yesterday frustrated as I am out of the UK and had completely forgotten it was a bank holiday. It was even worse when the voice message didn't specify... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
The Shares ISA account has some appealing features however, it’s not as easy to add money as other providers, e.g. having to use a debit card. Similarly, the colour scheme of the app means that you ca... See more
Company replied
Nice and easy to join and get set up, but the platform and profile are somewhat limited (in terms of information about the stocks and shares invested in, direct debit controls etc.). Overall nice UX a... See more
Company replied
A bit of confusion with money going into my account instead of my wife's, but all sorted with a phone call. A shame that joint accounts are no longer available.
Company details
Written by the company
It is an incorporated society in the United Kingdom within the meaning of the Friendly Societies Act 1992.
Contact info
High Street 2, SK8 1AL, Cheadle, United Kingdom
- shepherdsfriendly.co.uk
4.1
Great
954 reviews
No history of asking for reviews
This company hasn't invited their customers, so reviews may not be representative
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
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Easy to open account online
Easy to open account online, following instructions No issues
November 4, 2025
Unprompted review
Experience
It's too soon for me to provide a constructive review as I have only just opened the account. What I can say is that the process was smooth and clear.
November 5, 2025
Unprompted review
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Nice and straightforward to use plus…
Nice and straightforward to use plus efficient and quick in applying my bonus
November 1, 2025
Unprompted review
It was easy to set up the account
November 12, 2025
Unprompted review
Great experience all round!
Best ISA bonus I’ve seen for a long time and it was applied straight after I opened my account. The document that were sent were so easy to read and understand so I know I was making the right decision for me with opening the Investment ISA. Friendly team emailed me back with a quick response when I had a small query. Would recommend Shepards Friendly to friends and family!!
November 4, 2025
Unprompted review
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Easy to use application process
October 25, 2025
Unprompted review
Easy to use
Easy to use, great experience setting up accounts for all 3 children.
October 28, 2025
Unprompted review
Did not pay Topcashback payment after…
Did not pay Topcashback payment after taking out a £20k stocks and shares ISA. Although I went through the process to find out why Shepherds Friendly did not pay the Topcashbback payment, after 6 months of waiting for an answer their reply was "no commission was due on this order" Yet the reason why I invested in Shepherd Friendly was for the Topcashback payment. Be aware if this is why you are investing in the company!
November 3, 2025
Unprompted review
Reply from Shepherds Friendly
Hello,
Thank you for your review. I'm sorry to hear that you had trouble with your TopCashback. I'd like to look into this for you, so I've sent you an email through Trustpilot asking for some more details. Please could you reply to the email with your plan number, telephone number, postcode and full name?
Or you can get in touch with our friendly Member Services team using our Help and Support form: https://www.shepherdsfriendly.co.uk/help-and-support/.
Kind regards,
Elena
Great incentive…
Great incentive through Emma’s Diary to set up an account for our baby, received the bonus really fast too. Thank you Shepherds Friendly!
October 21, 2025
Unprompted review
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Very poor junior ISA rates
Very poor junior ISA rates, 3.75% for the year. Wish I’d known this before setting them up. They made the quarterly bonus sound attractive, but in reality, just not worth it.
********
In response to your reply:
To be honest, I'm not happy with the 3.75% rate, but the past 2 quarters only hit 0.5%, which as a whole means your investment managers are doing an awful job. My personal ISA has already hit a 24% return (with a different company) over a 6 month period. I realise this is an exceptional return, but if they can hit this, and your guys cant get a decent fraction of this, then there is something clearly wrong. Kids should not be penalised simply for being kids. I will be moving these ISAs away from you in the near future.
October 10, 2025
Unprompted review
Reply from Shepherds Friendly
Hello Tony,
Thank you for your review. We always value feedback from our members, and I'm sorry to hear your experience wasn't as you'd expected. We take decisions about bonus rates very seriously, and the recent reduction reflects a number of market and economic factors.
The bonus rate of an Annual Equivalent Rate (AER) of 3.75% is for the period from 1st July to 30th September 2025. Like, with any investment, returns can fluctuate, so AER shows you how much the investment could grow in one year if investment returns were to remain at the same level all year. We pay bonuses quarterly, so your next bonus rate may be different from this one.
Unlike with an index-linked fund, a with-profits fund offers a more predictable investment performance by actively ‘smoothing out’ the daily ups and downs of the market. Our fund managers use a careful and proactive investment strategy to smooth out the impact of this year's volatility on your investment. While market ups and downs have eased compared to earlier in the year, ongoing inflation, slower economic growth, and higher interest rates mean there’s still some uncertainty.
With our Junior ISA, we aim to provide your child with higher returns in the medium- to long-term, compared with what you’d get from a bank or building society account. So you should aim to invest for no fewer than five years.
In your bonus rate email, you can read our latest investment update for more information.
If you have any questions, please don't hesitate to get in touch with our Member Services team here: https://www.shepherdsfriendly.co.uk/help-and-support/.
Kind regards,
Elena
Avoid Shepherds Friendly Sick Pay…
Avoid Shepherds Friendly Sick Pay Policy
Do not take out this policy. It does not pay out if you’re off work due to mental health reasons unless you’ve been formally sectioned. I wasn’t informed until three months later, by letter, that my claim had been deemed null and void because they decided my mental health wasn’t “severe enough” to qualify.
Throughout the process, I received no replies to any of my emails, and although I was repeatedly promised call-backs, not a single one ever happened.
July 22, 2025
Unprompted review
Reply from Shepherds Friendly
Hello Kelly,
Thank you for your review. I’m sorry to hear that your experience wasn’t as you’d hoped.
We always aim to make fair decisions for our members when it comes to Income Protection claims.
Mental health conditions are one of the most common reasons our members claim, and we’ve supported many members through this when they meet our Terms and Conditions.
We’ve been in touch to explain why we weren’t able to pay you this time.
If you have any more questions, please don't hesitate to reach out to our Claims team.
Kind regards,
Elena
Simple and straightforward - what more could you want
Simple and everything explained in a straight forward manner
September 30, 2025
Unprompted review
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Great Service
Great Service, I used the wrong email address and a lovely lady called me and sorted the issue out. Excellent customer service.
October 7, 2025
Unprompted review
refused my claim total scam off work…
refused my claim total scam off work doctors note etc now left out pocket by thousands please don't use this company
September 27, 2025
Unprompted review
Reply from Shepherds Friendly
Hello Ann,
Thank you for your review. I'm sorry to hear about your experience.
We always aim to make fair decisions for our members when it comes to making an Income Protection claim. I'd like to look into this for you, so I've sent you an email through Trustpilot asking for some more details. Please could you reply to the email with your plan number, telephone number, postcode and full name?
Or you can get in touch with our friendly Member Services team using our Help and Support form: https://www.shepherdsfriendly.co.uk/help-and-support/, selecting the option 'I have a query relating to an Income Protection claim'.
Kind regards,
Elena
Great information
Great information, well organised and easy illustration.
September 12, 2025
Unprompted review
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