• These Terms and Conditions apply to the offer to pay £25 cash back to Scottish Widows Share Dealing Customers who download, register and login to the Scottish Widows app (the “Offer”) between 19 October 2026 and 4 January 2027 (the “Term”).
• The Offer is not available to existing Scottish Widows app users.
• The Offer is available to UK residents aged 18 or over.
• The Offer is available to any customer that holds a Scottish Widows Share Dealing Account or Stocks & Shares ISA and has downloaded, registered, logged in to the Scottish Widows app and accessed Share Dealing from within the app at least once during the Term (the “Eligible Customers”).
• In order to receive cashback, you must access your Share Dealing Account or Stocks &Shares ISA from within the app at least once during the Term. You can access your account by tapping the 'Share Dealing' tile from your app home screen. If the tile does not appear on the home page you can access by tapping “Wealth” at the bottom of your screen and then tapping 'Investments'. If you still can't see it then please contact us.
• Customers who participate in this Offer can also take part in our trade offer. Details of which can be found here: Trade commission-free offer | Investing | Scottish Widows
• Customers cannot take part in both this offer and the “£25 Gift Voucher” offer. If you have received the £25 gift voucher, you will not be eligible for this payment.
• In order to take part in the offer you must download the Scottish Widows app, you can do so by following the instructions here: Download our app | Scottish Widows
• This offer is available to new and existing Share Dealing customers
• Only one £25 cashback payment is available per customer, regardless of the number of Scottish Widows Share Dealing Accounts or Scottish Widows Stocks & Shares ISAs held.
• If you meet the terms of the Offer the cashback will be paid into your Scottish Widows Share Dealing account by, or on, the due date of 10 February 2027.
• To receive the cashback, the relevant account must remain open and capable of receiving the cashback at the time the cashback is processed.
• The Offer is non-transferable. The cashback will only be paid into your Scottish WidowsShare Dealing account.

This offer applies to customers who hold:

• Scottish Widows Share Dealing Accounts
• Scottish Widows Stocks & Shares ISAs.

The following products are not eligible for this offer:

• Ready-Made Investments ISAs or Investment Accounts
• Ready-Made Pensions
• Self-Invested Personal Pensions (SIPP)
• Any other Scottish Widows products.

The promoter of the offer is Scottish Widows Administration Services Limited
Company No 01132760.

Registered Office: 25 Gresham Street, London, EC2V 7HN 
Authorised and regulated by the Financial Conduct Authority, register no. 139398.

For any queries relating to the Offer please contact Scottish Widows Share Dealing at 12 Wellington Place, Leeds, LS1 4AP.

• The Promoter reserves the right to amend or withdraw these Terms and Conditions where necessary due to circumstances beyond its control or to ensure compliance with legal or regulatory obligations. Any changes or termination will be communicated as soon as reasonably possible.
• The Promoter may withhold or recover cashback where it reasonably believes that a customer has acted fraudulently, dishonestly, in breach of these Terms and Conditions, or otherwise abused the Offer.
• If participation in the Offer is significantly greater than anticipated, the Promoter may need to close the Offer earlier than the stated end date. Where this occurs, the Promoter will take reasonable steps to communicate the change through appropriate customer channels.
• The Promoter is not responsible for any loss a customer may incur as a result of being ineligible for the Offer or any delay in receiving the cashback, except where such loss is caused by the Promoter s negligence, fraud or breach of applicable law.
• These Terms and Conditions are governed by the laws of England and Wales and any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

This information is not part of the terms and conditions.

There are a few things we may be able to do to help you when receiving information from us. Contact us if you'd like braille, large print, an audio version or we could send you these on coloured paper.

If you have a hearing or speech impairment you can contact us using the Relay UK Service available 24 hours a day, 7 days a week. Or you can call using textphone on 18001.

If you want to make a complaint learn more online at: https://www.scottishwidows.co.uk/ontact-us/complaints.html

To speak to us, call: 0345 716 6777 (+44 131 549 9772 outside the UK) available Mon to Fri 9am to5pm.

You can also write to: 

Scottish Widows Share Dealing12 Wellington Place
Leeds
LS1 4AP

We'll confirm receipt in writing within five working days and investigate and respond, as quickly as possible and if no decision has been reached, we will update you on progress after 4 and 8 weeks.

Provided you've tried to resolve things with us first, if you're still unhappy, you can ask the Financial Ombudsman Service to help. We can provide information on how to do this if you need it. 

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, seven days a week.