• These Terms and Conditions apply to the offer to refund commission on one trade for Scottish Widows Share Dealing customers who download, register and log in to the Scottish Widows app (the “Offer”), and runs from 01 September to 30 November 2026 (the “Term”). 
• The Offer is available to UK residents aged 18 or over. 
• This Offer is available to any Scottish Widows Share Dealing customers who have downloaded, registered and logged in to the Scottish Widows app at least once before or during the Term and hold a Scottish Widows Share Dealing Account or Stocks & Shares ISA (the “Eligible Customers”).  
• If you have not downloaded the Scottish Widows app and would like to take part in this Offer you can do so by following the instructions here: Download our app.
• This Offer is available to new and existing customers and new and existing app users. 
• Eligible Customers will receive a refund for one qualifying trade placed during the Term, including any qualifying trades that took place ahead of them downloading the Scottish Widows app, with a maximum refund value of £5 per customer. 
• Only one refund 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 refund will be due and payable on 01 December 2026 and will be paid into your Scottish Widows Share Dealing account by 31 December 2026. 
• To receive the refund, the relevant account must remain open and capable of receiving the refund at the time the refund is processed. 
• The Offer is non-transferable and there is no cash alternative. The refund will only be paid into the customer’s Scottish Widows Share Dealing account.

• In order to be eligible for a refund of dealing commission, trades must be placed between 01 September 2026 and 30 November 2026 in the Scottish Widows Stocks & Shares ISA or Share Dealing Account. 
• Dealing commission is payable on UK shares, Funds, Exchange Traded Funds, Investment Trusts, Bonds and Gilts.  
• Trades from a regular investment plan and international trades are not subject to commission and not part of the Offer. 
• This Offer does not apply to the foreign exchange charge of 1.5% applied on international trades. 
• Commission paid on Dividend reinvestments is not eligible for refund. 
• This Offer does not apply to stamp duty or Panel of Takeover & Mergers (PTM) levy.

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 (RMI) 
• Ready-Made Pensions (RMP) 
• 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. 
 

Contact Details 

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 a refund where it reasonably believes that a customer has acted fraudulently, dishonestly, in breach of these Terms and Conditions, or otherwise abused the Offer. 

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 refund, 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. 

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. 

To speak to us, call: 0345 716 6777 (+44 131 549 9772 outside the UK) available Monday to Friday 9am - 5pm.  

You can also write to:  

Scottish Widows Share Dealing
12 Wellington Place
Leeds
LS1 4AP 

For complaints, we’ll confirm receipt in writing within five working days and investigate and respond, as quickly as possible 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.