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Online Savings
E-Saver Plus E-Savings Bonds 1 Year Fixed Rate E-ISA - Issue 83 2 Year Fixed Rate E-ISA - Issue 84 E-ISA Online Saver Client Account Online
Face to Face and Postal Savings
Saver Plus Member Only Fixed Rate ISA Member Savings Bonds Savings Bonds 1 Year Fixed Rate ISA - Issue 83 2 Year Fixed Rate ISA - Issue 84 Cash ISA Instant Access Saver
Our Mortgages
Residential Mortgages Remortgage Holiday Let Mortgage Retirement Interest-Only Mortgage Self-Build Mortgages Entrepreneur Mortgages Professional Mortgages Guarantor Mortgages
Helpful Mortgage Guides
Mortgage Interest Rates Mortgage Fees and Charges Mortgages Explained Mortgage Terms and Conditions
Discover Your Society
Overview Member Benefits Powered by Purpose Our History Our Accreditations Building Societies Association News & Media Our 175th Anniversary Our Impact
Join Our Society
Careers Overview Career Opportunities
Governance
Overview Our Board Senior Leadership Team Financial Information Committee Terms of Reference Society Rules Annual General Meeting 2025
Community
Scottish Building Society Foundation Overview Society Magazine Glasgow Caledonian University
Helpful Guides
Help Managing Your Money Financial Support Mortgage Payment Support Lost Your Passbook Change of Name/Address Making a Complaint Proving Your Identity Protecting You From Fraud Managing Your Savings Account Bereavement Dealing With Challenging Times Declined Mortgage Application
Important Information
Tax Residency Power of Attorney Title Deeds Brexit Privacy Policy Customer Service
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Home // Help and Support // Dealing With Challenging Times
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Powered by purpose

Dealing with challenging times

The current rising cost of living is impacting many of us. If you're worried about finances or you're struggling to pay your mortgage, it's time to ask for help. We're here to support you.

Mortgage Payment Support
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The price of everyday items is going up, but there are changes you can make to potentially save money. Have a look at our suggestions below to see how making small changes can help you save more in the long run. 

If you're worried about the cost of living crisis and want to know what support is available to you call us on 0333 207 4007 or find a Relationship Centre near you using our location finder. 

 

We've put together a few useful links that could offer further support and information. 

Find out more about support available

Our tips for managing your money

  • Before you start budgeting, it's important to know how much you've got coming in each month to be able to plan effectively. A good habit is to put aside the amount needed for payments each month, so you know exactly how much you're dealing with.
  • Scroll through your regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. Usually, you can cancel these online or over the phone, but it’s worth reading over any contracts you may have to avoid a cancellation fee or penalty.
  • Make a list of short and longer term goals to focus on and watch your savings grow. On average, customers save twice as much when they save towards a specific goal.
Click here for the Money Helper Free Budgeting Calculator 
Money Helper Budgeting Tool

The UK Government have put together some energy saving tips to help you save money. Small simple changes that can make a big difference.

  • Turning down radiators in rooms you aren’t using could save you up to £70 a year.
  • Washing clothes at a lower temperature could save you up to £40 a year.
  • Turning your boiler flow temperature down to 60°C could save you up to £100 a year.
  • Closing all your curtains and blinds at night keeps the heat in.

Click on the link to find out more.

GOV.UK Help for Households
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We're here to help

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.

Access, Register or Apply

 

We are upgrading our online experience.

Please select from the options below to get started.

Register for SBS Online

Select this option if you’re an existing Member and haven’t yet registered to access your accounts through our new SBS Online.

Register Now

Log into the new SBS Online. 

Already registered for our new SBS Online?

Log in to access your account.

Log in

Received a verification code for the new SBS online?

You can complete the set up process here.

Complete setup

New to Scottish Building Society? 

Browse our savings products and apply online today.

Apply & Register

Existing Member but don’t have time to register for the new SBS Online now?

Log in to your account here. 

Please note: the old online service closes on 28th August 2026. 

You’ll still be able to register for the new platform after that date, but you will no longer have access to the old system.

Log in

Not sure which option applies to you? 

Call our team on 0333 207 4007. 

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