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Due to the coronavirus outbreak we’re protecting our friends, colleagues and community by having less staff in to answer phones right now. This is having a big impact on call waiting times which are typically 20 minutes. We’re really sorry about this.


We really want to help and protect our most vulnerable customers and would be really grateful if you could help them too.


If you are able to contact us via our online form then please do. Your enquiry will receive exactly the same level of service as if you had called in and we will get back to you as soon as we can. This leaves our phone lines open for those customers unable to access the web. Click here for more information.

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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.

Helping families to save and invest for over 150 years

  • Proud to be a mutual

    We're owned and run for the benefit of our members - people like you!

  • Award winning

    Best Mutual Insurer: UK Awards, 2019 & 2020
    Best Junior ISA Provider:
    Moneyfacts Investment Life & Pension Awards 2019.

  • We're rated 'great'

    Our customers have rated their experience with us as 'great' on Trustpilot.

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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