Friendlier investing for you and your family

At Scottish Friendly, we've been helping families plan for their future since 1862 and we're here to help you and your family secure a better financial future.

Capital at risk.

Investing with Scottish Friendly

Why choose us?

We believe investing should be open to everyone, regardless of your savings goals.

Find out why

Our ISAs

Whatever your savings goals, our range of tax-efficient investment options could help you start saving today.

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Our Junior ISAs

You could give them a great start in adult life by helping to build them a long-term investment.

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Friendly guides

Check out our free friendly guides to investing - they explain what ISAs & Junior ISAs are and the different options available.

Read our guides

Why choose Scottish Friendly?

We are trusted by over 854,000 members, looking after assets worth £4.4 billion, as of 31st December 2025. And at Scottish Friendly, we believe everyone should have the opportunity to invest. That's why we have a range of Stocks & Shares ISAs and Junior ISAs you can tailor to suit your needs.

You can save and invest up to a total of £20,000 in an ISA and £9,000 in a Junior ISA in the current tax year, less any amount subscribed to other ISAs. Tax rules apply.

Everyone has a different approach to investing. That's why we offer a range of fund options, giving you the freedom to choose the level of risk that feels right for you.

Set up multiple savings or investment goals with ease. Our ISAs & Junior ISAs let you create separate 'pots' to ring-fence your money, helping you save for different priorities and milestones.

Our Stocks & Shares ISAs

Choose from a range of ISAs, including multi-fund and single-fund options. Invest tax-efficiently and put your money to work with the growth potential of the stock market. Tax rules apply.

My Choice (ISA)

Choose from a range of investment funds that align with your long term goals. Select just one, a mixture of them all, or somewhere in between.

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My Easy Choice (ISA)

Invest in a single fund choice with a guarantee on your 10-year investment anniversary. Guarantee terms apply.

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My Climate Leader Choice (ISA)

Our Climate Leaders Fund invests in shares of companies globally that are expected to benefit from efforts to limit global climate change.

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Our Stocks & Shares Junior ISAs

Give your child a head start with a Junior ISA. It's a tax-efficient way to invest on their behalf and help build a financial foundation for their future. Tax rules apply.

My Select (Junior ISA)

With a range of funds to invest in, you can choose the ones that suit your child's needs best.

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My Easy Select (Junior ISA)

Invest in a single fund choice with an investment anniversary guarantee on the child's 18th birthday. Guarantee terms apply.

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My Climate Leader Select (Junior ISA)

Our Climate Leaders Fund invests in shares of companies globally that are expected to benefit from efforts to limit global climate change.

Learn more

For our ISAs and Junior ISAs, stock market investments can go down as well as up and you or your child could get back less than has been paid in. Tax treatment depends on individual circumstances and may be subject to change. This includes a Unitised With-Profits fund that comes with a guaranteed minimum payout on your 10 year investment anniversary, provided no switches or withdrawals are made or a guaranteed minimum payout on the child's 18th birthday, provided no switches or withdrawals are made.

The funds in a Junior ISA belong to the child and can only be accessed by them when they turn 18. A £50 exit fee applies within the first 5 years.

Scottish Friendly doesn’t provide advice. The information provided should help you decide if a product is suitable for you. If you’re unsure, you should seek advice from a professional adviser, who may charge for this.

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 & Junior ISAs are made for beginners and seasoned investors alike. Check out our free friendly guides.

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

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.

View guide to ISAs

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.

View guide to Junior ISAs

Cash ISA vs Stocks & Shares 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.

View comparisons guide

FAQs

Below you’ll find answers to some questions about our Stocks & Shares ISAs and Junior ISAs.

A parent or guardian with parental responsibility can open and manage a Junior ISA account at least until the child turns 16 when they can take over management of the account from their 16th birthday if they choose. A child aged 16 or 17 can usually open their own Junior ISA and manage the account themselves.

Anyone can then make regular monthly payments from £30 or single lump sum payments from £50.

Our ISA products are not fixed, so you can withdraw your money from an ISA at any time. If you have a direct debit with us, you will need to allow 10 days after any direct debits are collected before instructing withdrawal of your money.

For a Junior ISA, the money belongs to the child and can only be accessed by them at age 18. It can however, be transferred to another provider at any time.

Our Junior ISA products may be subject to a £50 exit fee within the first 5 years.

Yes, it's important to use the official Junior ISA transfer process rather than withdrawing money yourself. The full balance must be transferred, and the transfer will not affect any contributions made during the current tax year. Please note it can take up to 30 days to complete your transfer.

Using the official process helps preserve the account's tax-efficient status under current rules. Tax treatment depends on individual circumstances and may change.