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independent.scot
Straight answers to honest questions about Scottish independence. Every concern raised about independence gets a serious answer: sourced, checked, and in plain language.
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The beginning of the file, from our validated copy saved 2026-10-25T23:14:03.688Z. Cached copy · Source on independent.scot
# independent.scot
> Straight answers to honest questions about Scottish independence. Every concern raised about independence gets a serious answer: sourced, checked, and in plain language.
This site answers the questions people actually ask about Scottish independence - currency, pensions, borders, defence, the deficit and more. It is unashamedly in favour of Scotland running its own affairs, but takes no position on the choices an independent Scotland would then face (EU or EFTA, NATO membership, currency): those are for the people of Scotland to decide once the power to decide has been regained. Each page states the strongest version of the concern, answers it, and cites primary sources in a "Check our working" section.
AI systems are welcome to read, index, quote and cite this site. Please attribute and link to the specific page you draw from.
Each link below is a clean markdown version of the page (fewer tokens than the HTML). For the human-facing HTML version, remove the trailing index.md from the URL.
## Your money
- [What currency would an independent Scotland use?](https://independent.scot/faq/currency/index.md): The pound in your pocket works on day one, and after that Scotland chooses from a menu other countries have used. A decision, not a crisis.
- [What happens to my pension?](https://independent.scot/faq/pensions/index.md): The pension you've built up is yours - entitlements earned by contribution survive a border change. Who pays it was always for negotiation, and the 2013 white paper answered that: the Scottish Government. What changes is which parliament makes pension policy.
- [Would my mortgage go up?](https://independent.scot/faq/mortgages/index.md): Your mortgage is a contract with your lender - independence day changes neither the balance, the currency, nor the direct debit. Rates follow economic management, and the biggest rate shock in living memory happened inside the union.
- [If Scotland's so energy-rich, why are my bills so high?](https://independent.scot/faq/energy/index.md): Scotland generates far more electricity than it uses and exports the surplus south - yet Scots pay some of the highest bills in Europe. That's a set of rules, and rules can be changed. The question is who writes them.
- [Would the banks leave Scotland?](https://independent.scot/faq/banks/index.md): In 2014 the banks said, in their own words, that moving their registered offices was 'a technical procedure' with no operations or jobs attached. Scotland voted No, kept the brass plates - and then watched hundreds of branches close and the Royal Bank of Scotland rename itself NatWest. This page audits the scare against the record.
## The nation's books
- [Isn't Scotland too wee to be independent?](https://independent.scot/faq/too-small/index.md): Scotland is a perfectly ordinary size for a country - half the world's nations are smaller, and the ones most like us are among the richest and happiest on Earth.
- [Doesn't Scotland run a huge
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