Many reviewers point to a simple digital experience and quick account setup. A separate group describe unresolved cases and long delays with withdrawals or claims. Several also question investment returns, platform charges, and occasional data or login issues.
Examples from available reviews (Sep 2025 – Mar 2026).
Reviewer finds platform easy to navigate.
“Easy to navigate.”
Reviewer claims company owes over £5,000 and is unresponsive.
“We have ZERO confidence in this company”
Reviewer alleges misleading advertising and low ISA returns.
“Really upset by low returns on isa.”
Employee Declan was helpful and resolved the issue quickly.
“He was very helpful and extremely kind.”
Several reviews mention long waits, repeated requests for documents, and rejection of electronic statements. Others highlight specific staff members, describing friendly, helpful support that fixed problems quickly.
Multiple reviewers say ISA returns were low and charges continued while fund values fell. Few comments mention fair pricing or strong returns.
Many customers describe quick registration, clear account screens, and an easy-to-use app. Some report hassles with login steps, failed top-ups, and a colour-contrast problem that affects accessibility.
Some reviews cite out-of-date fund prices and low-risk funds showing negative performance. A smaller number praise the range of funds and tracking tools, but these are fewer than product complaints.
Several reviewers say written responses are clear and easy to follow. A minority point to weekday-only contact hours and a sarcastic or unhelpful tone in some exchanges.
Reviews sit at opposite ends, with many five-star notes about smooth onboarding and several one-star accounts of service breakdowns. They show a clear split between strong digital ease and major complaints about service or value.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · Quotes shortened · As of: March 2026
Reviewer finds platform easy to navigate.
“Easy to navigate.”
Reviewer finds the app good and easy to use.
“Easy to use.”
Easy to set up policy and transfer money with welcome reward.
“Easy to set up a new policy”
Reviewer alleges misleading advertising and low ISA returns.
“Really upset by low returns on isa.”
Easy junior ISA setup; app useful and direct debit correct.
“direct debit was taken on the correct date”
Platform is user friendly and account is easy to view.
“User friendly. I can see my account easily.”
Reviewer claims company owes over £5,000 and is unresponsive.
“We have ZERO confidence in this company”
Employee Declan was helpful and resolved the issue quickly.
“He was very helpful and extremely kind.”
Joined via cashback and raised a claim; still waiting months.
“still waiting months and months later”
App helpful but colour contrast is challenging for colour-blind user.
“I’m colour blind so find some of the colour contrasts a challenge.”
Accuses company of stalling and refusing electronic bank statements.
“they can’t accept that statement it has to be a paper one”
Savings information clear and app is user friendly to navigate.
“App is user friendly and easy to navigate through.”
Three-week delay and inconsistent document requests when cashing bond.
“Been trying for 3 weeks to cash in my daughter’s child bond.”
Account opening was very easy and information was clear.
“Very easy to open account, all information explained”
Reviewer warns of extremely poor and unhelpful customer service.
“extremely poor customer service”
Complains about multiple policies, high platform fees, and exit charges.
“platform fees are way too high at 1.5%.”
Reviewer reports that everything was straightforward and simple.
“Everything was straightforward”
Opening daughter's ISA was very easy.
“Ive Just opened an ISA for my daughter and I have to say it was very easy indeed.”
Reviewer had an ISA previously and is happy with service.
“I am happy with your service”
Reviewer complains company is only open weekdays 9am–5pm.
“only open Monday too friday 9am till 5pm”
Reviewer says replies are good and not confusing.
“reply good and it’s not confusing”
Process was smooth and simple from start to finish.
“Smooth and simple process from start to finish.”
Took a five-year savings plan and received excellent service.
“The service i have received has been excellent”
App was easy to use for restarting and updating investments.
“Easy to use Quick to update investments or change payments.”
Reviewer experienced awful logon and inability to add top-ups.
“Awful log on, can’t just add a top up”
Had to repeat investment choice process when adding a payment.
“had to go through an investment choice process AGAIN”
Likes different pots and praises friendly, supportive customer service.
“they are so friendly and supportive”
Frustrated by complex login requirements and inconsistent account access.
“You need a username, dob, password AND a memorable word just to enter the account.”
Setting up daughter's trust fund ISA was really easy.
“Really easy to set up my daughter's trust fund ISA account.”
App is excellent for tracking investments.
“Find the app excellent to track my investments”
Praises fund but criticises out-of-date prices and add-money issues.
“fund prices so out of date today”
Minimal-risk funds lost value while monthly fees continued being charged.
“every single one went into the negative”
App is easy to navigate around.
“Easy to navigate around the app”
Customer frustrated by sarcastic tone and slow document handling.
“I asked for a bank statement not this, but ok”
Registration was very simple and quick; signed up in two minutes.
“Took me 2 mins and I am all signed up and saving”
Existing customer confident to continue investing.
“as an existing customer I am very confident to continue investing”
Reviewer finds information easy to understand.
“So good to understand”
Good information, easy to use with choice of products.
“Good information. Easy to use and choice of products.”
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
Scottish Friendly is a UK mutual society that offers savings, investment, and protection products. It provides tax-efficient ISAs, regular savings plans, and investment fund options. Customers can use an online account and mobile app to check balances and manage payments. Scottish Friendly is authorised and regulated by the Financial Conduct Authority. The society serves retail savers and policyholders across the UK.