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

Considering 214 reviews, most reviewers were somewhat happy with their experience overall. Many customers find the user experience to be straightforward and easy, especially when setting up accounts and navigating the platform. People appreciate the ease of adding funds, making transactions, and keeping track of their child's account. The customer service staff are often described as helpful, patient, and professional, providing excellent support when contacted. However, some people were dissatisfied with the payment process, noting delays in funds clearing and difficulties with instant payments or minimum amounts. There are also concerns about the online system and login issues, with some reviewers experiencing difficulties accessing their accounts or finding the website confusing. A few customers reported poor communication and slow resolution times for issues, particularly when trying to transfer money or close accounts.

What people talk about most

User experience

Consumers find the user experience to be positive, with many reviewers praising the ease of setting up... See more

Payment

Customers had ambiguous experiences with payment, with some finding it very easy to add and withdraw funds,... See more

Staff

Users describe ambiguous interactions with staff, with many customers praising specific agents for their... See more

Customer service

People report ambiguous experiences with customer service, with many praising the helpfulness and politeness... See more

Service

Reviewers mention ambiguous feedback about service, with some customers reporting excellent 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 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 3 out of 5 stars

My contributions were supposed to increase by 10% each year. This didn't happen, and when I contacted them regarding this, it was still not done. It's as if I had to remember each year so I could remi... 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
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1-star

Replied to 100% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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Rated 1 out of 5 stars

I've been talking to Scottish friendly…

I've been talking to Scottish friendly via letter and then email for 7 months. I have received 3 different complaint references. I sent the original signed paperwork to them, only to then hear nothing. When chased they advised they had received the paperwork and had responded by post but sent it to the wrong address. When chasing them again I was told they needed the sort code and account number of the account this was to be paid into. I supplied a photo of these details from the Nationwide book of the person named in the bond. I was then told it needed to be on proper paperwork with address details confirming the account holder. Four attempts to get this from Nationwide was then rejected as i was told it needed to be a bank account. The person is 12. I have now been told they haven't a track of the original paperwork and asked I sign another form.
Incompetence.. the other reviews on Trustpilot show this isn't an isolated incident

7 January 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Frances, we are sorry that you have not had a positive experience with us. If you would like to discuss this further may we ask that you send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number and if you could please mention this is in relation to your Trustpilot review. Kind regards, Scottish Friendly

Rated 1 out of 5 stars

STAY AWAY FROM THEM !!!!!

Stay away from this company at all costs. They will give you a new bunch of BS every time you phone them. I have had the unlucky situation of having to deal with them for 2 months now and that was to just remove funds from my account. Generally they should be closed down

1 July 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Nick, we are sorry that you have not had a positive experience with us. If you would like to discuss this further may we ask that you send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Did what I wanted

Did what I wanted

18 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

Scott from Scottish friendly

Spoke to someone called Scott. Really friendly, really helpful. Made the process of what I needed run smoothly. Happy customer ☺️

17 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your positive review.

Rated 5 out of 5 stars

Excellent service!

Excellent service!

20 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Fantastic advice from Scott

Fantastic advice from Scott, friendly and extremely helpful.
All my issues have been resolved thank you.

23 June 2025
Unprompted review
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Reply from Scottish Friendly

Dear Natasha, thank you for your 5 star review. We will pass this on to Scott. Best wishes, Scottish Friendly

Rated 1 out of 5 stars

Money Builder surrendered

Started Money Builder programme exactly 10 years ago.

Financial adviser said after 10 years there should be some growth.

Either product is poor, or fees high or both !

Not only that there is no growth, the surrender value was up to £1300 less than what 4 staff quoted.

Raised internal complaint. I can already guess what the outcome will be... :(

I wish I could give 0 stars.

22 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear IG, we are sorry to hear that you have not had a good experience. If you would like to discuss this further may we ask that you send an email to contactus@scottishfriendly.co.uk with the following information, your full name, postal address, date of birth, policy number and if you also mention this is in relation to your Trustpilot post we will have someone look into this for you. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

I called the customer service to help…

I called the customer service to help me with some challenges I faced while setting up my application. I was thrilled at the patient and the attention given to me.

19 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review. Best wishes, Scottish Friendly

Rated 5 out of 5 stars

Very friendly customer service

Very friendly customer service, very patient and understanding overall a very delightful experience.

20 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Hi Samuel, thank you for taking the time to leave a review.

Kind regards

Kevin

Rated 4 out of 5 stars

I needed help reinstating a savings…

I needed help reinstating a savings plan. The advisor was very patient and helpful which was much appreciated.

9 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Helen, thank you for your review. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Used Scottish friendly in the past for…

Used Scottish friendly in the past for accounts and never disappointed. The service is brilliant and so is the return on the accounts highly recommend

1 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review.

Rated 5 out of 5 stars

Great customer service

Just set up a couple of child ISAs - had some issues and received the most efficient and patient customer service experience from Anna. Very appreciative given my mistakes.

17 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Davina, thank you for your 5 str review. Kind regards, Scottish Friendly.

Rated 1 out of 5 stars

If there was a negative value I would…

If there was a negative value I would give it. I have been trying to cash in a small pension for 6 MONTHS! I have be totally honest about my personal situation and about how much anxiety their time wasting is causing me. Today I sent an email to Steven McGee their CEO.
Yesterday I was promised my money would be will me by end of business yesterday or by this morning. NOTHING!!!!!!

17 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Jane, thank you for your review. We are sorry to hear that you have not had a positive experience. Someone is currently looking into your complaint and they will be in contact soon with you. Kind regards Scottish Friendly

Rated 4 out of 5 stars

Smooth process

The whole process of creating an account and starting to invest was smooth. It would have been nice to know where specifically the Climate Leaders Fund invests.

16 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Shakti, thank you for you review. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

Easy access to set up on line which I…

Easy access to set up on line which I appreciated as I find online set ups very frustrating this was easy

16 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Mary, Thank you for your 5 star review. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

I completed my application on line

I completed my application on line , i found it very easy to complete and received my documents within a few days.

6 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

NIGHTMARE PART 3

If I COULD GIVE - STARS IT WOULDN'T BE ENOUGH.
IM NOT GOING TO REPEAT MY 2 PREVIOUS POSTS.
BUT IN A NUTSHELL .........
THIS ALL STARTED 28TH APRIL
TODAY IS 13TH JUNE , STILL NO PENSION PAID TO ME , INVESTIGATION STILL ON GOING , ALMOST 7 WEEKS THEY HAVE HELD MY MONEY SINCE I REQUESTED TO CASH IN .
HAVE NOW GONE TO THE TOP (STEPHEN McGEE ) THE CEO OF SCOTTISH FRIENDLY . HE NEEDS TO KNOW HOW HIS CUSTOMERS ARE BEING TREATED & STOP IT HAPPENING TO ANY OTHER PENSIONERS.
ALSO DO NOT TAKE ANY NOTICE OF THE GENERIC REPLIES TO ANY OF THE POSTS FROM THE COMPANY , ITS NEGATIVE ACTION .

25 April 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Stephanie, we are sorry to hear you have not had a great experience with Scottish Friendly. We have looked into the above complaint and we've been informed that our complaints team have been in contact with you today. We hope this issue has been resolved. kind regards Scottish Friendly.

Rated 5 out of 5 stars

Scott Gilmore …

Scott Gilmore offered exceptional customer service and support in dealing with my son’s CTF . After over a month of email communications and misunderstanding, Scott offered incomparable service clearing up identification mishaps and effectively and efficiently resolved issues and was able to assist us. Very friendly and professional. Definitely a team asset. Thank you Scott.

9 June 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review, we will pass this onto Scott. Best wishes, Scottish Friendly.

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