An easy way to manage your savings with our Instant Access Saver

If you’re looking for a simple, straightforward way to save with no strings attached, our Instant Access Saver Account could be just what you need. As your money is not tied up, you can make withdrawals whenever you want. 

And, however serious you are about saving, it can still be good to know that you’ve got instant access to your cash if you want it. Having flexibility with our Instant Access Savings Accounts can make it easier to manage your budget, and keep in control of your finances. It’s also a convenient way to take care of those unexpected expenses that can come along from time to time – from a car repair to a plumber’s.

5 great reasons to choose an Instant Access Savings Account from the Scottish

Instant access to your money
Passbook based savings account
Open an account with as little as £1, up to £1 million
Easy to manage in branch or by post
A safe home for your savings

Completed applications can be returned to any branch or agency office, along with proof of your identity and initial deposit.


Alternatively, you can post your application and necessary documentation to:

Scottish Building Society

SBS House

193 Dalry Road


EH11 2EF



Where can I make deposits?

Once your account is open you can make deposits in branch (cash or cheque), by post (cheques only) or by bank transfer.

When is interest paid into my account?

Gross interest is paid directly into your account each year on 31 March.

If you’re a basic rate taxpayer and have savings income or interest of more than £1,000 (£500 for higher rate taxpayers), you’ll have to pay some tax on this. You can find out more by calling HMRC on 0300 200 3300 or visit

How can I make withdrawals?

You can make withdrawals in person at our branches, or by post – whichever suits you best. Just keep in mind that this is a savings account, not an account for making day-to-day payments.

Do I need to give notice to make withdrawals?

No – and there are no limits on how much of your savings you can take out of your account.

Can anyone start an Instant Access Saver Account?

This account is available to anyone resident in the UK. Accounts can be opened by children over the age of 7 or by an adult on behalf of children under 18.

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) and Sat 9-12. Calls may be recorded and/or monitored.

Financial Services Compensation Scheme

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. Any deposits you could hold above the limit are unlikely to be covered. Please see below for further information.

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