{"id":410067,"date":"2021-08-13T12:46:36","date_gmt":"2021-08-13T11:46:36","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=410067"},"modified":"2025-11-28T12:53:58","modified_gmt":"2025-11-28T12:53:58","slug":"scottish-friendly","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/scottish-friendly","title":{"rendered":"Scottish Friendly review"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3400!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.scottishfriendly.co.uk\/\" class=\"luna-button luna-button--primary\">Return to Scottish Friendly<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_98b2d44819\" class=\"section-heading\">\n            How we rated Scottish Friendly's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Scottish Friendly is quite expensive compared to competitors and the fees are confusing.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>It offers a limited range of funds to invest in.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Scottish Friendly offers a secure and safe place for people to invest.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>The platform only offers an investment ISA and a junior ISA.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Scottish Friendly offers an investing experience that most customers seem happy with.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>Scottish Friendly offers a limited range of additional investing tools and resources.<\/td><\/tr><\/tbody><\/table><p>Scottish Friendly is one of the largest mutual investments organisations in the UK, and was set up in 1862. As a mutual, it\u2019s accountable to its members rather than shareholders.<\/p><p>It\u2019s a bit of an oddball compared to other investing platforms. For example, it only offers ISAs and has a limited range of funds. It also has quite an unusual way of charging fees. Find out more about what this provider offers.<\/p><h2 id=\"section_heading_7a24ae777b\" class=\"section-heading\">\n            Scottish Friendly fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td>1.5%<\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>4% entry fee<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>0%<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>Yes<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>Scottish Friendly is quite expensive compared to other providers. When you invest in one of its funds, you pay a 4% \u201centry fee\u201d each time. This isn\u2019t a common charge but instead of commission fees, it means 4% of each investment is already gone before you get started.<\/p><p>Then, the platform fee is charged as a 1.5% annual management fee. Again, this is steep and more in line with what you\u2019d pay a personal wealth manager or financial advisor. This does reduce to 0.5% with the \u201cMy Prime ISA\u201d if you invest at least \u00a3100 a month and your portfolio is worth more than \u00a32,000. <\/p><p>On top of these fees, you\u2019ll also pay ongoing fund fees depending on the option you choose. <\/p><h2 id=\"section_heading_b0408d63a1\" class=\"section-heading\">\n            Scottish Friendly investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Investment choice score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>1+<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>1+<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>10+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>10+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum deposit<\/th><td><b>My Choice\/Easy Choice\/Ethical Choice ISA<\/b> \u00a320\/month (or \u00a3100 lump sum)<br><b>My Prime ISA<\/b> \u00a3100\/month (or \u00a32,000 lump sum)<br><b>Junior ISA <\/b> \u00a320\/month (or \u00a350 lump sum)<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a320\/month (or \u00a3100 lump sum)<\/td><\/tr><\/tbody><\/table><p>Scottish Friendly has a limited range of investments. With these 2 accounts there are 10 funds to choose from:<\/p><ul><li>My Choice ISA<\/li><li>My Prime ISA<\/li><\/ul><p>The 10 funds on offer range in risk from lower to higher and are called:<\/p><ol><li>Guaranteed Cash fund<\/li><li>UK Government Bond fund<\/li><li>Unitised With-profits fund<\/li><li>Lower fund<\/li><li>International Company Bond fund<\/li><li>Medium fund<\/li><li>Higher fund<\/li><li>UK Tracker fund<\/li><li>UK Active fund<\/li><li>International Ethical fund<\/li><\/ol><p>As you can see, most funds have a heavy weighting towards bonds or UK equities, with only the ethical fund investing in global companies. <\/p><p>Speaking of ethical, the My Ethical Choice ISA, lets you invest only in one fund \u2013 the International Ethical fund (also the highest risk on Scottish Friendly\u2019s scale). <\/p><p>Finally, the My Easy Choice ISA lets you invest only in the Unitised With-profits fund. This account also comes with a unique benefit, if you don\u2019t make any withdrawals or switch out of the fund over 10 years, Scottish Friendly will guarantee you\u2019ll have as least as much as you put in. <\/p><h2 id=\"section_heading_b84e2ae6b3\" class=\"section-heading\">\n            Is Scottish Friendly safe?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Scottish Friendly is regulated by the Financial Conduct Authority (FCA). Deposits are covered by the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme<\/a> protection. So your deposits of up to \u00a3120,000 are covered in the event that Scottish Friendly goes bust. <\/p><p>Because Scottish Friendly is a mutual and not a public company, it looks out for the interest of its members rather than its shareholders. <\/p><p>Like any other type of investment, <a href=\"https:\/\/www.finder.com\/uk\/investment-risk\">your capital is at risk<\/a> when you invest using Scottish Friendly and you may end up with less than what you originally invested. The performance of investments will vary, and there is no guarantee of return. <\/p><h2 id=\"section_heading_718a8ea34b\" class=\"section-heading\">\n            Scottish Friendly account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5.8<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Scottish Friendly is pretty limited in terms of accounts. Again, going against the grain, it only offers ISA products. <\/p><p>With Scottish Friendly, you can use a:<\/p><ul><li><a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">Stocks and shares ISA<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/junior-stocks-and-shares-isas\">Junior ISA (JISA)<\/a><\/li><\/ul><p>To spice things up, Scottish Friendly splits its investment ISA into a few different product types that come with slight differences.<\/p><h3>Scottish Friendly ISAs<\/h3><p>The Scottish Friendly stocks and shares ISA lets you invest up to your annual ISA allowance and shield potential profits from most taxes. <\/p><p>With Scottish Friendly, you can invest from as little as \u00a320 a month (or a lump sum of \u00a3100), so long as you have not paid into another investment ISA in the same tax year. In the 2026\/2027 tax year, you can save or invest up to \u00a320,000 across all your ISAs.<\/p><p>Within the investment ISAs, Scottish Friendly offers 4 ISA types to choose from:<\/p><ul><li><b>Easy Choice ISA<\/b>. A single fund choice with a guaranteed minimum cash lump sum on your 10 year anniversary (as long as you don\u2019t switch or make any withdrawals). You get a welcome gift when you start investing.<\/li><li><b>My Choice ISA<\/b>. Choose between 10 funds based on your <a href=\"https:\/\/www.finder.com\/uk\/investment-risk\">risk<\/a> appetite and get a welcome gift when you get started. Has an annual management charge of 1.5% of the fund value, which is deducted daily. Fund costs are on top. <\/li><li><b>My Prime ISA<\/b>. Invest a monthly payment of \u00a3100 or a lump sum of \u00a32,000 into a range of 10 funds, ranging <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/low-risk-investments\">from low to high risk<\/a>. You can also make investment pots for different goals. Has an annual management charge of 1.5% of the fund value (plus fund costs), but this drops to 0.5% if you maintain an active payment schedule.<\/li><li><b>My Ethical Choice ISA<\/b>. You can invest in a single international ethical fund and get a welcome gift when you get started. Has an annual management charge of 1.5% plus fund costs.<\/li><\/ul><h3>Scottish Friendly junior ISA<\/h3><p>At Scottish Friendly, members and their children are encouraged to gain a financial headstart and invest in their futures. <\/p><p>With the JISA, you can provide your children with a helpful cash sum for their future. This can give them a head start to purchase their first property, travel, or pay their university costs.<\/p><p>You can invest up to \u00a39,000 per year in a JISA in one of 9 funds without having to pay any UK tax on most profits.<\/p><p>Annoyingly, Scottish Friendly has another unique stipulation that if money is withdrawn before 5 years, a \u00a350 deduction fee is charged. This makes the Scottish Friendly JISA less flexible than other options.<\/p><h2 id=\"section_heading_cfebcf5c49\" class=\"section-heading\">\n            Scottish Friendly ease of use\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.9<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.3\/5<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>4.5\/5<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Phone and contact form<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Bad<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Both<\/td><\/tr><\/tbody><\/table><p>Scottish Friendly scored quite well in our ease of use assessment. However, we don\u2019t like that there are only 2 ways to contact the customer service team. Also, trying to find information (especially around fees) is very confusing \u2013 even for us experts. <\/p><p>The Scottish Friendly app appears quite popular with customers although there\u2019s a limited number of reviews available. On the App Store, Scottish Friendly scores a 4.3 out of 5, and on Google Play it has a 4.5 out of 5 from over 2 million reviews (as of February 2024). <\/p><p>Scottish Friendly\u2019s website and app are pretty clunky, the company has been around for over 150 years, and it\u2019s starting to show. For the high fees it charges, it\u2019s a shame that nothing is reinvested into the customer experience. <\/p><h2 id=\"section_heading_27f9156287\" class=\"section-heading\">\n            Scottish Friendly customer reviews\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Score<\/th><th scope=\"col\">Rating<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Trustpilot<\/th><td>3.6\/5<\/td><\/tr><\/tbody><\/table><p>Trustpilot reviewers gave Scottish Friendly a 3.6 out of 5 \u201caverage\u201d rating (as of February 2024) from over 2,500 reviews.<\/p><h2 id=\"section_heading_dc19163c8a\" class=\"section-heading\">\n            Scottish Friendly tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Scottish Friendly has a rudimentary offering when it comes to investing tools and additional features. This isn\u2019t a platform where you can do lots of analysis and research on investments.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                                \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Who might Scottish Friendly suit?<\/h3><p>This platform is going to be best-suited for those who only want to use an ISA and are happy with a limited choice of ready-made account options.<\/p><p>If that\u2019s not you, why not <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">compare share trading platforms<\/a> to find the right fit to match your style.<\/p><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I withdraw from Scottish Friendly?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>In \u201cMy Plans\u201d, click \u201cmore info\u201d beside the policy you want to withdraw from. Under the \u201cactions\u201d heading, click \u201cmake a withdrawal\u201d.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I contact Scottish Friendly?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can call on (UK) 0333 323 5433 or (Eire) 1890 987 919. Lines are open 8.30 am \u2013 5.30 pm, Monday to Friday.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I cancel my Scottish Friendly account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Once you have set up a My Options policy within a Scottish Friendly ISA, you can change, stop, decrease or top up your contributions online by selecting \u201cMy Plans\u201d or write to Scottish Friendly to request a change.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Scottish Friendly is a mutual organisation in the UK that offers ISAs and investment bonds. Read our review to find out what we think of Scottish Friendly and how much it costs. <\/p>\n","protected":false},"author":1273,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[130087],"tags":[],"asset_tag":[],"class_list":["post-410067","post","type-post","status-publish","format-standard","hentry","category-share-trading-reviews"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Scottish Friendly review | Ready made portfolios with low fees | Finder UK<\/title>\n<meta name=\"description\" content=\"Scottish Friendly lets you invest in ISAs and investment bonds. Read our review to find out some features and fees.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/scottish-friendly\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scottish Friendly review\" \/>\n<meta property=\"og:description\" content=\"Scottish Friendly lets you invest in ISAs and investment bonds. 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