Business Details
Your Trusted Building Society Partner in Edinburgh
Established in 1848, we are the oldest remaining building society in the world and a mutual organisation owned by our members. Our purpose is to help individuals buy homes and save for the future through uncomplicated financial products delivered with a personal touch. With over 175 years of experience, we combine tradition with innovation to provide savings accounts, mortgages, and ISAs tailored to our members' needs.As a member-owned society, we reinvest profits to benefit our customers and communities, maintaining a strong focus on financial inclusion and local impact. Our governance structure ensures accountability through a dedicated board and senior leadership team, while our commitment to transparency and ethical practices has earned us a 97.5% customer satisfaction rating. We operate Relationship Centres across Scotland and offer secure online services for modern convenience, supported by a team dedicated to delivering expert financial guidance.
Services
Savings Accounts
Mortgages
Cash ISAs
Savings Bonds
Client Account Online
Financial Guidance
Highlights and features
- We have over 175 years of experience in ethical financial services
- Our mutual structure ensures profits benefit members directly
- We offer competitive 6.50% Gross/AER rates on regular savings accounts
- 97.5% customer satisfaction rating from independent reviews
- Community investment through our Scottish Building Society Foundation
Associations and certifications
- Building Societies Association
- Financial Services Compensation Scheme (FSCS)
What people say
Fantastic ratings
Friendly service
Competitive savings rates
Member benefits
Community focus
Services
Regular Saver Account
Our Regular Saver Account offers a competitive 6.50% Gross/AER variable interest rate for UK residents aged 18+. Minimum monthly deposit of 50 builds disciplined savings habits while benefiting from attractive returns. The account encourages long-term financial planning through consistent contributions and compound interest growth over time.
Fixed Rate ISAs
We provide 1 and 2 year Fixed Rate ISAs with guaranteed returns for tax-efficient saving. These cash ISAs protect savings from income tax while offering predictable growth, with options including Issue 89 and 90 bonds. Our ISA products cater to different risk appetites while maintaining capital security for long-term financial goals.
Residential Mortgages
Our residential mortgage range includes first-time buyer schemes, remortgage options, and specialist products like holiday let mortgages. Competitive rates and flexible terms help customers navigate the property market, supported by expert advice through our Relationship Centres and online resources.
Client Account Online
Solicitors and professionals can manage client funds securely through our dedicated online platform. This service provides real-time transaction tracking, interest management, and compliance tools specifically designed for Scottish legal firms handling property transactions and client monies.
Community Investment
Through our Foundation, we support local charities and community projects across Scotland. Our 175th Anniversary initiatives and partnership programmes focus on financial education, housing support, and sustainable development to create lasting social value beyond financial services.
Questions
What savings accounts do you offer?
We provide Regular Saver Accounts with 6.50% Gross/AER, Fixed Rate ISAs, Cash ISAs, and instant access savings options tailored to different financial goals.
How long have you been operating?
We've been serving customers since 1848, making us the oldest remaining building society in the world with over 175 years of financial expertise.
What mortgage options are available?
Our mortgage range includes first-time buyer schemes, remortgage deals, holiday let mortgages, and specialist products for professionals and entrepreneurs.
How do you support local communities?
Through our Scottish Building Society Foundation, we fund local charities and initiatives focused on housing support, financial education, and sustainable development.
Are savings protected?
Yes, eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS) as regulated by the PRA and FCA.
