Updated 6/1/2021

As a building society, our members come first, and we’re here to support you during COVID-19.

Frequently Asked Questions


Are your branches open? (updated 6/1/2021)

As a result of the latest COVID-19 safety measures, our branches are open on Mondays, Wednesdays and Fridays from 10am to 2pm. Please help us keep everyone safe and only visit a branch to make essential transactions. For everything else, we will be happy to help you by telephone on 0333 207 4007, weekdays from 9am to 5pm (10am on Wednesdays). Calls may be monitored and/or recorded.

Some of our agency partners are operating reduced hours and we will update their details as we receive them. Please check our Location Finder for the latest information.

What are essential transactions? (updated 7/1/21)

If you need access to cash, or need to make a deposit or mortgage payment in branch, these are essential transactions. Please note that the limit for deposits paid in using a debit card is £1,000.



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 not able to make your mortgage payments due to coronavirus, you can apply for a mortgage payment deferral for up to 6 months.

This option is for people who:

  • haven’t had a mortgage payment deferral, or
  • have had a deferral for less than 6 months.

Keep in mind that if you take a payment deferral, interest will continue to build at your usual interest rate. This means the total amount of interest you pay over the term of your mortgage will increase.

To apply for a mortgage payment deferral, please download this form, save a copy to your PC before completing. Once you're done, send it to us at homortgages@scotbs.co.uk

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

Are you extending payment deferrals beyond 31 October?

Along with other banks and building societies, we have agreed with the FCA and HM Treasury to extend the provision of mortgage payment deferrals up to a maximum of six months in light of the ongoing Covid-19 restrictions. Payment deferrals will cease on 31 July 2021 and any application for a new or further deferral (where eligible) under these arrangements must be made prior to 31 March 2021.


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.

I am nearing the end of my mortgage deferral period but I am continuing to have financial difficulties, how can you help?

Help is available if you still aren’t able to make your payments. Please contact us as soon as possible if you are nearing the end of your deferral and your financial situation is either unchanged or has worsened.

To help us understand your circumstances, please complete this form, saving a copy to your PC first. Complete as much information as possible and send to us at homortgages@scotbs.co.uk

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

We will work with you to resolve any difficulties, ideally before any payments are missed. There are a number of options that may be available, including agreeing a payment plan, transferring a repayment mortgage to interest only for a period and extending the term of your mortgage.

Further useful information is available from the FCA.

If you are looking for money guidance to manage your money during and after the coronavirus outbreak, the Money Advice Service offer a free Money Navigator, tool giving you instant help based on your circumstances.

How do I repay the deferred amount?

Deferred payments, including accrued interest, will be capitalised and repaid over the remaining term of your mortgage. We will write to you confirming your new monthly payment.

Please note, the total amount payable over the lifetime of the mortgage is likely to increase. You may wish to consider repaying a lump sum, or making over payments for a shorter period of time.

We may also permit an extension of your mortgage term, allowing you to maintain payments at similar levels. This will be subject to consideration of your expected retirement age. Extending the term of your mortgage will increase the total amount payable. 



Find out more

For the latest guidance and more information, please visit:

Money Advice Service 

Financial Conduct Authority

Scottish Government Coronavirus website

UK Government Coronavirus guidance website


Staying safe - fraudsters

Criminals use exceptional circumstances like the current coronavirus situation to pose as employees of genuine organisations.

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.

Contact Us

For new savings or mortgage enquiries, call us today on

0333 207 4007

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

Existing Member Enquiries

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

Find your local office