Universal Credit — Complete Guide
Universal Credit is a monthly payment from the UK government to help with living costs. It replaces six legacy benefits: Housing Benefit, Income Support, Income-based Jobseeker’s Allowance, Income-related Employment and Support Allowance, Child Tax Credit, and Working Tax Credit.
Who Can Claim
- Aged 18 or over (some exceptions for 16-17 year olds)
- Under State Pension age
- Living in the UK
- Have less than £16,000 in savings (or investments)
- On a low income or out of work
How Much You Get
The amount depends on your circumstances. The standard monthly allowance (2026-27) is approximately:
- Single under 25: £311.68
- Single 25 or over: £393.45
- Couple under 25: £489.06 (joint)
- Couple 25 or over: £617.60 (joint)
Extra payments are available for children, housing costs, disability, and caring responsibilities.
How to Apply
- Create an account at gov.uk/apply-universal-credit
- Complete the online application (takes 20-40 minutes)
- Verify your identity online via GOV.UK Verify or at a Jobcentre
- Attend a telephone or in-person appointment
- First payment arrives approximately 5 weeks after applying
📞 Important Contacts
| Helpline | 0800 328 5644 |
| Welsh Language | 0800 328 1744 |
| Textphone | 0800 328 1344 |
| Hours | Monday-Friday, 8am-6pm (closed bank holidays) |
| Website | gov.uk/universal-credit |
Key Deadlines
- Tax Credit Migration: If you receive Tax Credits, you must move to Universal Credit by December 2026. Look for your Migration Notice letter.
- Reporting Changes: You must report changes in circumstances (job, income, housing) immediately via your online account.
Last updated: June 2026. Always check gov.uk for the most current information.