If sshd (openssh-server) is installed and running, but still no access when using WinSCP. In Ubuntu 16.x look at the auth logs:
sudo cat /var/log/auth.log
I found this:
No supported authentication methods available [preauth]
The problem is Ubuntu sshd configuration defaults to public/private key authentication for remote ssh access:
RSAAuthentication yes
PubkeyAuthentication yes
PasswordAuthentication no
If you want to skip the kay-pair work, Open the sshd conf file:
sudo nano /etc/ssh/sshd_config
Find the above attributes and modify to:
RSAAuthentication no
PubkeyAuthentication no
PasswordAuthentication yes
restart sshd:
sudo systemctl restart sshd
If you have set up a user on the Ubuntu 16.x instance, you now should be able to ssh or WinSCP with username/password. Please be aware that the security of the system is now at greater risk.