Customer feedback is mixed: many reviewers praise the app, simple sign‑up and friendly customer service when managing ISAs and savings plans. At the same time, several users report frustrating website and login problems, difficulties adding money and limited phone availability. Product comments are generally positive about savings products and 'pots', but a notable minority have reported fund losses and questioned fees. If you are considering Scottish Friendly, weigh ease of mobile use and reported good service against the UX and fund concerns highlighted in reviews; monitor fund performance and confirm support options before committing.
Examples from available reviews (Sep 2025 – Feb 2026).
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”
Minimal-risk funds lost value while monthly fees continued being charged.
“every single one went into the negative”
Likes different pots and praises friendly, supportive customer service.
“they are so friendly and supportive”
Customers report both supportive, friendly service for savings plans and rigid or unhelpful interactions; some telephone availability issues are noted.
Several reviewers cite confidence in long-term investing and success, while a smaller number raise concerns about fund losses and ongoing fees.
Many users praise the app and straightforward sign-up; a significant group report login errors, complex flows and problems adding one‑off payments.
Product feedback is generally positive about ISAs, savings plans and 'pots', though isolated reports highlight fund losses or changes to funds.
Some reviewers highlight quick, clear replies and helpful information; others report limited opening hours, closed phone lines and curt staff interactions.
Overall impressions vary: many customers describe smooth saving experiences and helpful service, while others emphasise poor website usability and fund concerns.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · Quotes shortened · As of: February 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-based mutual savings and life assurance provider that offers ISAs, savings plans and investment products through online and mobile channels. The firm distributes retail savings and investment products aimed at consumers seeking regular savings, ISAs and longer-term investment plans. Information seekers often look for product types (ISAs, savings plans), customer-service experience, digital access and fund performance when researching Scottish Friendly.