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Scottish Widows

Scottish Widows platform is the former Embark platform. The Embark Group became part of Lloyds Banking Group (LBG) in 2022 and is now the provider of platform services for the Lloyds Banking Group and its B2B partners.

Available products & wrappers

General investments ISAs Lifetime ISAs Junior ISAs Pensions & SIPPs Junior Pensions & SIPPs Other

Available investments

UK funds Offshore funds ETFs ITs Equities Bonds Other
UK

Table of charges

Platform charges Product charges Other charges
Funds/Exchange-traded instruments (0-£99,999) 0.35%
Funds/Exchange-traded instruments (£100,000-£249,999) 0.30%
Funds/Exchange-traded instruments (£250,000-£499,999) 0.25%
Funds/Exchange-traded instruments (£500,000+) 0.10%
SIPP/JSIPP admin fee £75 / year
Exchange-traded instruments £10.50 / trade (0.05% if over £25,000)
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Research, tools and information

Tools and data

Lifestyle planning tools and calculators, IHT advisor tool, PGT calculator, mobile app, portfolio management/analysis tool, medical evidence tool, reports and a risk tool.