Money losing ISA
All the charges makes this a money losing ISA. I have several ISAs with different providers and this is the only one going backwards.
Also beware, I created a pot within my ISA that had £100 in. I decided to close the pot and the £100 has disappeared. It's not been added back to my main ISA and there is just zero trace of it. It doesn't help that the app provides such limited data. It is incredibly user unfriendly.
There is a monthly "management" charge and in over two years I've never received any interest or bonus payments. I have less money than I put in and they keep charging. Lol what a rip off.
Also be aware if you try to close your ISA and withdraw your money they charge you at least £50 for the pleasure.
So dodgy I wish I never opened an account with Scottish Friendly.
Avoid is my advice. There are many better options.
Reply from Scottish Friendly