diff --git a/apps/web/src/lib/organizations/organizations.test.ts b/apps/web/src/lib/organizations/organizations.test.ts
index 3e899339ad..417133c5ef 100644
--- a/apps/web/src/lib/organizations/organizations.test.ts
+++ b/apps/web/src/lib/organizations/organizations.test.ts
@@ -507,6 +507,36 @@ describe('Organizations', () => {
       expect(added).toBe(false);
       expect(await getUserOrganizationsWithSeats(member.id)).toHaveLength(0);
     });
+
+    test('disables the personal account for a brand-new user provisioned via SSO', async () => {
+      const owner = await insertTestUser();
+      const member = await insertTestUser();
+      const organization = await createOrganization('SSO Org', owner.id);
+
+      const added = await addSsoUserToOrganization(organization.id, member.id, {
+        isNewUser: true,
+      });
+
+      expect(added).toBe(true);
+      const updatedMember = await db.query.kilocode_users.findFirst({
+        where: eq(kilocode_users.id, member.id),
+      });
+      expect(updatedMember?.personal_account_disabled).toBe(true);
+    });
+
+    test('leaves the personal account untouched for an existing user authenticating via SSO', async () => {
+      const owner = await insertTestUser();
+      const member = await insertTestUser();
+      const organization = await createOrganization('SSO Org', owner.id);
+
+      const added = await addSsoUserToOrganization(organization.id, member.id);
+
+      expect(added).toBe(true);
+      const updatedMember = await db.query.kilocode_users.findFirst({
+        where: eq(kilocode_users.id, member.id),
+      });
+      expect(updatedMember?.personal_account_disabled).toBe(false);
+    });
   });
 
   describe('updateUserRoleInOrganization', () => {
diff --git a/apps/web/src/lib/organizations/organizations.ts b/apps/web/src/lib/organizations/organizations.ts
index 3f58aca93e..fbc6c3f00e 100644
--- a/apps/web/src/lib/organizations/organizations.ts
+++ b/apps/web/src/lib/organizations/organizations.ts
@@ -338,7 +338,8 @@ async function lockOrganizationMembershipMutation(
 
 export async function addSsoUserToOrganization(
   organizationId: Organization['id'],
-  userId: User['id']
+  userId: User['id'],
+  options?: { isNewUser?: boolean }
 ): Promise<boolean> {
   return db.transaction(async tx => {
     await lockOrganizationMembershipMutation(tx, organizationId, userId);
@@ -354,7 +355,20 @@ export async function addSsoUserToOrganization(
       .limit(1);
 
     if (removal) return false;
-    return addUserToOrganization(organizationId, userId, 'member', tx);
+    const added = await addUserToOrganization(organizationId, userId, 'member', tx);
+
+    // A brand-new account provisioned through SSO exists only because of the
+    // organization, so it has no standalone personal account. Mirror the
+    // invite-driven signup behavior (acceptOrganizationInvite) and disable it.
+    // Existing users who authenticate through SSO keep their current value.
+    if (added && options?.isNewUser) {
+      await tx
+        .update(kilocode_users)
+        .set({ personal_account_disabled: true })
+        .where(eq(kilocode_users.id, userId));
+    }
+
+    return added;
   });
 }
 
diff --git a/apps/web/src/lib/user/sso.test.ts b/apps/web/src/lib/user/sso.test.ts
index e2e5ede085..88d9bc25dd 100644
--- a/apps/web/src/lib/user/sso.test.ts
+++ b/apps/web/src/lib/user/sso.test.ts
@@ -106,6 +106,8 @@ describe('processSSOUserLogin', () => {
       'impact-click-123',
       trackingContext
     );
-    expect(mockAddSsoUserToOrganization).toHaveBeenCalledWith('org-local', 'user-workos');
+    expect(mockAddSsoUserToOrganization).toHaveBeenCalledWith('org-local', 'user-workos', {
+      isNewUser: true,
+    });
   });
 });
diff --git a/apps/web/src/lib/user/sso.ts b/apps/web/src/lib/user/sso.ts
index 70f4fd455b..3e6f57cfb7 100644
--- a/apps/web/src/lib/user/sso.ts
+++ b/apps/web/src/lib/user/sso.ts
@@ -81,7 +81,9 @@ async function processSSOInternal(
 
   const savedUser = res.user;
   // add user to organization since its been fully created
-  const added = await addSsoUserToOrganization(kiloOrg.id, savedUser.id);
+  const added = await addSsoUserToOrganization(kiloOrg.id, savedUser.id, {
+    isNewUser: res.isNew,
+  });
   if (added) {
     // get all owners for org
     const members = await getOrganizationMembers(kiloOrg.id);