The figures are contained in the Bank of Scotland Savings Index, a new quarterly survey tracking the savings habits of people in Scotland.
A large number of people rely on their savings to bridge the gap between the rising cost of living and flat incomes, the survey suggests.
While 49% routinely access savings when money runs tight, another one in nine have to do so every month.
Around one in six (15%) dip in every couple of months and around one in four (23%) raid their account a couple of times a year, the survey suggests.
The most popular reason for using savings is to pay for a holiday, with over a quarter doing so. Around a fifth (22%) use their savings to cover unexpected outgoings such as emergency household repairs or car maintenance. One in six use their funds to cover day-to-day living expenses.