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Getting started with tax-efficient savings and investments

If you're thinking about investing for the first time, it can feel a bit daunting.

So if you're not sure where to begin, tell us who you're investing for and explore your options.

Put a little away for yourself using the long-term growth potential of the stock market. 

Use your child's Junior ISA allowance to give them a head start in adult life.

Make use of your own ISA allowance to invest for your grandchildren's future. 

Who we are

  • Since 1862

    We've been helping families to save and invest for over 150 years and proud to be one of the largest mutuals in the UK.

  • We're a mutual

    As a mutual, we're owned and run for the benefit of our members. We don't have shareholders, so any profits are normally reinvested for the interest of our members.

Helping you plan for your financial future

We believe everyone should be able to save and invest. That's why we offer a range of affordable investment products to help you reach your financial goals.

Investment ISAs

Invest in the stock market tax-efficiently with our range of Investment ISAs.

Junior ISAs

Start investing for the future of your child using their tax-free allowance.


Tax-free investments above and beyond your annual ISA allowance.

Life Cover

Peace of mind and protection for you and your family.

Insights hub

We're keeping and eye on the financial health of UK households with our quarterly Disposable Income Index survey.

Visit our insights hub and use our Disposable Income Index tool to see how you measure up.

Existing customer

Looking to manage your products online? If you need some help, or you're not sure where to start, we've got FAQs and tutorials to get you going.

Cost of Cash Report

New research from Scottish Friendly in conjunction with the Centre for Economics and Business Research, reveals that savers have received £75 billion in interest since ISAs were first introduced in 1999. However, these same savers could have achieved £202 billion in interest in returns if they had instead opted to invest in the stock market - £127 billion more.

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