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Home // Help and Support // Making a Complaint
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Making a complaint

You can be confident that we always have your best interests at heart, but we don’t always get it right.

At Scottish Building Society, we’re committed to providing excellent service to all our members.

We pride ourselves on our mutual status. We’re owned by and run for the benefit of our members, so you can be confident that we have your best interests at heart.

We understand, though, that sometimes things don’t go as expected. If you ever feel that our service doesn’t meet your expectations, we’ll do our very best to look into and resolve your complaint quickly and fairly.

Shutterstock 1777853693

How to Make a Complaint
There are several ways you can raise a complaint with us:

  • In person, by visiting one of our Relationship Centres and speaking to a member of staff. You can find our locations and opening hours here 
  • Over the phone, by calling us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday)
  • By writing to us at:
    Scottish Building Society
    SBS House
    193 Dalry Road
    Edinburgh
    EH11 2EF
  • By emailing us at mail@scotbs.co.uk

If you write to us or email us please include your name, address, account details, a contact number if you’re happy for us to call you, and details of what happened and when it happened.

How We’ll Handle Your Complaint
When we receive your complaint, we’ll make every effort to investigate it and resolve it for you as quickly and fairly as possible.
If we can’t resolve it within 3 working days, we’ll send you a letter acknowledging that we’ve received your complaint and that we’re investigating it for you.


We’ll keep you updated on the progress of your complaint throughout the investigation, and we’ll write to you no later than 8 weeks after first receiving your complaint with either our final response or an explanation of why we haven’t yet been able to resolve it along with an estimated time for when you can expect a resolution.

Resolution of Your Complaint
In our final response letter, we’ll outline the details of our investigation, our decision, the steps we’ll take to put it right if applicable, and information about the Financial Ombudsman Service.


If you’re not satisfied with our response, or in the unlikely event your complaint isn’t resolved within 8 weeks (or within 15 days for a complaint relating to an electronic payment), you can take the matter further by contacting:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Tel: 0800 023 4567 or 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

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You can visit us in our Relationship Centres, or call us on 0333 207 4007. Our lines are open 9am - 5pm Monday to Friday (10am - 5pm Wednesday). Calls may be recorded and/or monitored.

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PLEASE SELECT TO ACCESS YOUR ACCOUNT

Please select from the 2 options below to open an account

NOT SURE WHEN YOU OPENED YOUR ACCOUNT?

 

Please check your email if you recently opened an account and unsure of the exact date


Why is this important? 


We have 2 login systems running for a little while, the existing online system currently used by our online Members and our new system that everyone will soon have access to. 


Whilst we upgrade our online system, we wanted to make sure our regular customers have their usual access. 


The date the new system came online was the 30th of April.

Do you have an online account?

Please select from the 2 options below to open an account

 

You may have an account that you opened in one of our locations and therefore don’t have a digital login.


If you have a digital account you should already have an email address and password to use to login.

I HAVE an online account

 

 

 

LOGIN

I DON’T HAVE an online account

 

 

 

REGISTER

NOT SURE IF YOU HAVE AN ONLINE ACCOUNT?

 

PLEASE CHECK YOUR EMAILS FOR ANY ONLINE ACCOUNT CONFIRMATION IF YOU CAN’T REMEMBER.


IF YOU HAVE FORGOTTEN YOUR PASSWORD YOU WILL BE ABLE FOLLOW INSTRUCTIONS TO CREATE A NEW ONE.

Do you have an online account?

Please select from the 2 options below to open an account

 

You may have an account that you opened in one of our locations and therefore don’t have a digital login.


If you have a digital account you should already have an email address and password to use to login.

I HAVE an online account

 

 

 

LOGIN

I DON’T HAVE an online account

 

 

REGISTER

NOT SURE WHEN YOU OPENED YOUR ACCOUNT?

 

Please check your email if you recently opened an account and unsure of the exact date


IF YOU HAVE FORGOTTEN YOUR PASSWORD YOU WILL BE ABLE  FOLLOW INSTRUCTIONS TO CREATE A NEW ONE.

©Scottish Building Society 2026. All rights reserved. Scottish Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register No 206034)