As a building society, our members come first, and we’re here to support you during the coronavirus (Covid-19) outbreak.

We are updating our FAQ regularly with the most commonly asked questions.


Frequently Asked Questions


Are your branches open?

Our branches in Edinburgh, Glasgow, Inverness, Galashiels and Troon are open 9.30am to 12.30pm, Monday to Friday. Branches may have to close at short notice due to staff absence, we suggest you check before travelling.

Phone lines are open as normal from 9am to 5pm, Monday to Friday (from 10am on Wednesdays).

From 5 October 2020, our branches will open as follows:

  • Edinburgh and Glasgow: 9am to 5pm, Monday to Friday
  • Galashiels, Inverness and Troon: 9.30am to 3pm, Monday to Friday

Some of our agency partners are operating reduced hours or have closed temporarily. Please check our Location Finder for the latest information.

When will your branches be open normally?

Our main branches are open 9.30am to 12.30pm, Monday to Friday.

To keep our staff and customers safe, we will continue to operate strict social distancing in branches, limiting branch capacity to two customers at any time. Face coverings must be worn.

From 5 October 2020, our branches will open as follows:

  • Edinburgh and Glasgow: 9am to 5pm, Monday to Friday
  • Galashiels, Inverness and Troon: 9.30am to 3pm, Monday to Friday


How do I access my savings if I can't get to a branch?

We are able to accept your instructions by post. We can only make payments to a nominated bank account in your name. If we have not made a transfer to the account previously, please include evidence that it is your account (e.g. statement). Remember to sign the request so we can verify your signature and enclose your passbook.

Postal requests should be sent to:

Scottish Building Society

SBS House

193 Dalry Road



How do I pay money into my savings account without visiting a branch?

If you can't get to a branch, you can pay money into your account by bank transfer or by post:

By bank transfer

You can use the details below to make a bank transfer or set up a standing order:

Name: Scottish Building Society (not your own name)

Sort Code: 83-06-08

Account No: 00255419

Reference: Your Scottish Building Society account number*

*You MUST use your Scottish Building Society account number as a reference to ensure funds are credited to your account.

By post

We will accept deposits by cheques made payable to yourself by post. Please send your cheque with your account details and passbook to:

Scottish Building Society

SBS House

193 Dalry Road


We will return your updated passbook and receipt to you by post.

By phone

You can also pay money in using an eligible debit card. Call your local branch to make a payment.

Can I ask someone to make a withdrawal on my behalf?

Should you wish a trusted friend or relative to make a branch withdrawal on your behalf, you can give them a letter authorising the withdrawal. The letter of authorisation must include the name of your nominated person and your signature. Your nominated person will also need to produce photographic ID. We will check your signature against our records and, if the request is for cash, we will call you to confirm the request using a number we have on file.

Are my savings safe?

Your eligible deposits with Scottish Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. For more information see FSCS.


I'm having trouble paying my mortgage. What should I do?

If you are having difficulty paying your mortgage as a result of the coronavirus outbreak, please download this form and send it to us at

What will happen to my mortgage offer?

Customers who have concluded missives have the option to extend their mortgage offer for up to three months to enable them to move at a later date.

You can read more in this press release from UK Finance.

The UK Government website has also published information for people currently, or thinking about, moving home.

When will I find out if my payment deferral request has been actioned?

Once you have had a verbal agreement from us, your payment deferral will be processed and we will write to you confirming the details. Please bear with us as your letter may take up to 2 weeks to arrive.

Mortgage Payment Deferral Request Form

Please save the form to your PC before adding your information to it. Please complete with as much information as possible and send to us at

To find out how we process the information you give to us, please read our Privacy Policy.


Staying safe - fraudsters

Criminals use exceptional circumstances like the current coronavirus situation as a chance to pose as employees of a genuine organisation, such as building society / bank staff and police officers and target you for fraud scams.

Criminals pretend to be from your building society, bank or the police and claim they are dealing with coronavirus-related issues that require you to respond by paying money or providing personal information that will allow them to access your account.

Scam emails and texts are also being sent claiming to be from government departments, banks or other trusted organisations, offering payments related to the coronavirus outbreak or claiming to be issuing fines. Often the messages will include a link to a fake website that is designed to trick people into giving away their financial and personal information such as bank details, passwords and credit card numbers.

To be clear, a bank or building society will never:

•    Ask you to disclose your PIN number or other passwords for your accounts
•    Encourage you to move funds from your own account into a different “safe” account 
•    Encourage you to order and pay for UK cash via the phone or internet
•    Charge up-front fees for repayment holidays
•    Make home visits to collect mortgage arrears on your doorstep
•    Demand an immediate payment of mortgage arrears over the phone
•    Demand payment of mortgage arrears via email providing you with a link through which to make payments

Individuals who approach you saying that they are building society employees and who pressurise you in the ways outlined above are criminals.

Stop – Take a moment to think. 
Challenge – Don’t be afraid to ask questions or to say “No” and end the conversation.
Protect – Contact the building society or the bank from which you have made a payment immediately if you think that you have been the victim of fraud.

For more information on how to protect yourself from fraud see Take Five.

Find out more

For the latest guidance, please visit:

NHS Inform Scotland website

Scottish Government Coronavirus website

UK Government Coronavirus guidance website

UK Government Foreign and Commonwealth Office website

NHS24 Twitter and Facebook accounts for public health information in Scotland

New Saver Enquiries

0345 600 0585

New Mortgage Enquiries

0345 600 4085

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

Find your local office

Lines open 9-5 Mon to Fri (10-5 Wed). Calls may be recorded and/or monitored.