Friendlier investing for you and your family

Why choose Scottish Friendly?

At Scottish Friendly, we believe investing should be open to everyone, that's why we have a range of investment ISAs you can tailor to suit your needs.


You can start from £10 or £100 a month or a lump sum from £100 or £2,000, or both.

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You’re in control of the level of risk you take. Our range of fund options help you invest in the way you feel comfortable.

pots growth

You can set up different saving or investing goals. Our ISA allows you to create different 'pots' to ring-fence your money for different things.

Keep in mind stock market investments can go down as well as up, so you could get back less than you've paid in. Tax treatment depends on individual circumstances and tax rules could change in the future.

What we stand for

At Scottish Friendly, we've been helping people like you plan for their futures since 1862 and are proud to be one of the largest mutual life offices in the UK. We’re proud of our achievements over the years and the awards we’ve won for our products and services.

We’re owned and run for the benefit of our customers. With no shareholders to pay, all the profits we make are distributed to members or reinvested for our customers benefit.

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Investing for life

We want saving and investing to be accessible. From moving home to enjoying retirement. From your child's education to their first set of wheels. That’s why our ISAs are made for beginners and seasoned investors alike. Check out our free friendly guides. They’re available online and downloadable.


Guide to ISAs

New to ISAs or simply looking to refresh your knowledge? Our guide could help break down some of the essentials of ISAs, which could help you make informed decisions for your financial future.

Guide to Junior ISAs

Planning for your child’s financial future? Our detailed guide to Junior ISAs will walk you through the basics, benefits and how to get started on this long-term savings journey.

Cash ISA vs Investment ISA

Confused about the difference between Cash and Investment ISA? Our guide demystifies these options, helping you understand the risks, returns and which might be the best fit for you.

Stocks & Shares ISAs

Two ways to get started. You can invest from £10 a month so long as you are over 18 and haven’t used your current annual ISA allowance which is £20,000.

Our ISAs offer tax-efficient investing and put the growth potential of the stock market hard at work.


An easy start option of investing in our ISA. Our carefully selected single fund options include:

  • A fund with a 10-year guarantee

  • A fund with ethical credentials


You can pick from 10 funds that best suit your needs:

  • Choice of funds from low to high risk

  • Select just one, a mixture of all 10, or somewhere in between

Keep in mind that stock market investments can go down as well as up, so you could get back less than you've paid in. Tax-free means the investment grows free from tax, with the exception of any tax we’ve already paid on your behalf (for example on dividends from UK shares). Tax treatment depends on individual circumstances, and tax rules could change in the future.

Stocks & Shares Junior ISAs

We can offer you two ways to start investing for your child’s financial future. Invest from £10 a month and when they turn 18, it could provide a handy cash sum towards wherever life takes them.


  • A carefully selected single fund option

  • Features a fund with ethical credentials


  • Choice of funds from low to high risk

  • Select just one, a mixture of all 9, or somewhere in between

Please note that Scottish Friendly doesn’t offer a Cash Junior ISA.

Keep in mind that stock market investments can go down as well as up, so your child could get back less than you've paid in. Tax treatment depends on individual circumstances and tax rules could change in the future.

If within the first 5 years of setting up the policy the registered contact transfers the policy to another Junior ISA manager, there will be a charge of £50 deducted from the withdrawal value. Only a mum, dad or guardian can take out a Junior ISA for the child. However, once set up anyone can contribute. The funds in a Junior ISA belong to the child and can only be accessed by them when they turn 18.

Over 50s Life Insurance

Over 50s life insurance allows you to plan ahead and leave behind a lump sum after you’re gone.

Over 50s

Plan for peace of mind with our Guaranteed Over 50s Life Insurance, safe in the knowledge that your cover is in place:

  • Cover from as little as £0.23 a day, based on a 50 year old, non-smoker with £2,000 cover

  • No medical questions and guaranteed acceptance if you’re aged between 50 and 74 and are a UK resident

The total paid in premiums could be more than the cash-pay out (depending on how long you live). This is not a savings or investment product and has no cash in value at any time.

Over 50s Life Insurance plans are not designed to meet the full costs of a funeral and do not guarantee to do so. As the cash sum is fixed, inflation will reduce its buying power over time.

The cover amount is fixed, so its real-life value will go down over time because of inflation. This means it’s important to review your cover regularly.

In the event of your death the policy will be included as part of your Estate, which may be subject to Inheritance Tax.

Find your future the friendly way

Need help finding the right product for you? Our handy tool could help you choose. We've products designed to help you and your family whatever your goals in life.

Select ‘Invest for me’ or ‘Invest for a child’ to invest for you or a family member using your own ISA allowance. To invest for a child using the child’s allowance, select the ‘Invest for my child’ option. For Over 50's you can select to protect your family, too.

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More Scottish Friendly benefits

Scottish Friendly offers a range of benefits designed to offer you potential value. Explore the perks and our prize draw below

my benefits

My Benefits Card

As a customer of Scottish Friendly, when you register for My Plans, and choose to go paperless, we’ll reward you with the My Benefits card which gives you access to fantastic savings and offers from thousands of leading retailers.

prize draw

My Prize Draw

When you open a new ISA or add a new policy to an existing ISA with us, you’ll automatically be entered into our prize draw for a chance to be one of three lucky winners to win back the total amount you’ve invested this tax year, up to £20,000. Exclusions, terms and conditions apply.

My Plans app

Take control of your Scottish Friendly ISA and Junior ISA investments wherever you are with the My Plans App. It offers a secure and easy way to manage your accounts, check your investments, and make changes on the go.

On your mobile or tablet, open the camera and point your device at the QR code. A link will pop up, tap this, and you’ll be taken straight to download the app.