Scottish Friendly Reviews 3,138

TrustScore 3.5 out of 5

3.7

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Review summary

Created with AI, based on recent reviews

Looking at 213 reviews, most reviewers were somewhat happy with their experience overall. Customers generally find the user experience to be positive, highlighting the ease of setting up accounts, navigating the platform, and managing investments. Many appreciate the straightforward process for adding and withdrawing funds, as well as the clear accessibility of information. However, some people were dissatisfied with aspects of payment processing, noting delays in funds clearing and issues with minimum payment amounts. There are also concerns regarding customer service, with some experiencing difficulties logging in, receiving inconsistent advice, or facing challenges when trying to resolve issues, particularly with account closures or pension payouts.

What people talk about most

User experience

Customers generally report positive experiences with the user experience, particularly praising the ease of... See more

Payment

Consumers find payment experiences to be ambiguous. While some reviewers report easy processes for adding and... See more

Staff

Users describe ambiguous interactions with staff. Many customers praise individual agents for being helpful,... See more

Customer service

People report ambiguous experiences with customer service. While some customers praised the helpfulness,... See more

Service

Reviewers highlight ambiguous aspects of service, with many expressing significant dissatisfaction. Customers... See more

Reviews shaping this summary

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 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

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


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

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Rated 1 out of 5 stars

Another insurance company you are Nosy…

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

28 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Hi Joanne, we are sorry to hear you are dissatisfied with our customer service experience. We will take your feedback onboard. Best wishes, Scottish Friendly.

Rated 5 out of 5 stars

5 year investment savings plan

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.

17 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Love Scottish friendly.

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.

17 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Rebecca, thank you for your 5 star review. Best wishes, Scottish friendly

Rated 1 out of 5 stars

This is the worst user experience I…

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

12 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Jo,

We are sorry to hear about your online experience and the frustration it has caused you, we have identified an issue with our phone lines and are currently working hard to resolve this as soon as possible. In the meantime, 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 3 out of 5 stars

I logged in to simply add a one off…

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

11 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Hi there, thank you for taking the time to leave us feedback, we will take this on board. If you would like to discuss this further can you send the following details to our customer contact centre. 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

Ridiculously rigid. You’re better off going elsewhere.

Never experienced a site as infuriating and frustrating as this one. You need a username, dob, password AND a memorable word just to enter the account. Sometimes it lets me in and other times it states ‘wrong details’ with all the money they make you’d think they’d sort it out. I class myself as computer savvy so I can’t imagine how others who aren’t as savvy being able to use it with ease.

I will be taking my children’s money and going elsewhere because it’s absolutely ridiculous and wish I could give it zero stars. Abysmal!!!!

4 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Karyn

We are sorry to hear about your online experience and the frustration it has caused you. We’d like a chance to resolve this issue and make signing easier for you. Please can you 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

5 stars for the fund 0 star for website.…

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 !

1 September 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Thank you for your 5 star review Dave. We will take your feedback on board. Best wishes, Scottish Friendly.

Rated 1 out of 5 stars

Almost half a year with them

Almost half a year with them. I used various funds, all labeled "minimal risk," and every single one went into the negative. Meanwhile, the fund itself takes its fees every month. WHAT are you charging for? For investing my money in assets that are losing value?

30 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Oleksandr, We charge an annual fee for managing your investments, but rather than taking it all at once, we spread it out over 12 months, resulting in a smaller amount deducted each month. If you would like to discuss this further 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 we will ensure that have someone looks into this for you. Kind regards, Scottish Friendly

Rated 3 out of 5 stars

Not the greatest customer service

Not the best customer service, I called to update my bank account to make a withdrawal from my ISA and was asked to send a bank statement to prove my account belongs to me, as I have a brand new bank account I couldn’t do this as no statements had been generated yet, I managed to get a letter from my bank showing all the details Scottish Friendly had asked for but after sending this to them the lady on the phones exact words were “I asked for a bank statement not this, but ok” In a very sarcastic tone, she then proceeded to put me on hold for 10 minutes whilst she spoke to a colleague for advice before coming back and saying she had referred my documents on to be checked. Quite frustrating.

27 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Billy, we are sorry to hear that you have not received a good experience with our customer service department. If you would like to discuss this further 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 we can have someone look into this for you. Kind regards, Scottish Friendly

Rated 5 out of 5 stars

Registering for saving

Very simple. Very quick. Took me 2 mins and I am all signed up and saving

27 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 4 out of 5 stars

further investment offer

as an existing customer I am very confident to continue investing

25 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

So good to understand

So good to understand

23 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 5 out of 5 stars

Good information

Good information. Easy to use and choice of products.

18 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

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

Rated 1 out of 5 stars

5* for signing up. 1* for paying out. Go figure

My wife has had to deal with multiple mistakes and plenty of stress in helping her parents with their policy. If you look at your reviews, you'll see that almost all of the 5* reviews relate to setting up accounts etc (they obviously make sure to do a good job in getting people on board). The 1* reviews relate to people who wanted to get the service they paid for.

6 August 2025
Unprompted review
Scottish Friendly logo

Reply from Scottish Friendly

Dear Rich, we are sorry to hear your wife has been having problems helping her parents with their policy. If you or your wife would like to discuss this further may we ask that you please send an email to contactus@scottishfriendly.co.uk with the following information, the full name, postal address, date of birth, policy number we have on file for the policy and we can have someone look into this for you. Kind regards, Scottish Friendly

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