Universal Credit: What time does Universal Credit get paid?

Universal Credit is a part of the new system to combine six benefits into a single, monthly payment. It includes Housing Benefit, Child Tax Credit, Income Support, Working Tax Credit, Income-based Jobseeker’s Allowance and Income-related Employment and Support Allowance. The Department for Work and Pensions (DWP) refers to these as legacy benefits. If you live in England or Wales and get help for your monthly rent, the added amount will be included in your Universal Credit payment.

What time is Universal Credit paid?

Universal Credit is assessed and paid in arrears in one single payment and on a monthly basis.

Your Universal Credit payments are calculated from the very first day you begin your claim.

The first payment is made seven days after the end of the first one-month assessment period, meaning a five-week wait from you initially apply.

Payments are then made on the same date every month, but there are some variations throughout the year, like on Bank Holidays.

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Universal Credit is usually paid straight into a bank, building society or credit union account.

Your payment has to be paid into an account with your name, and will need to be a current account as opposed to a savings account.

If you do not have an account, the Money Advice Service can help you to set one up and choose an account that’s right for you.

Depending on your bank, the funds are usually available sometime after midnight on the day the payment is due.

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Some banks deposit money into your account around 11.30pm, so you are able to withdraw it before midnight on the day you are paid.

Others will release the funds sometime between midnight and 6am.

If you bank with online bank Monzo, you could receive your payment at 4pm the day before you are expecting the payment.

Personal Finance website ToughNickel has rounded up payment times for the UK’s main banks.

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  • Clydesdale, Yorkshire – 11.30pm the night before, to 12.30am
  • Lloyds – Midnight to 1am
  • Bank of Scotland – midnight to 1.30am
  • Metro Bank – midnight to 2am
  • Barclays, Co-op – 1am to 2am
  • Natwest, RBS, Ulster Bank, Nationwide – 2am-3am
  • Halifax – 3am to 4am
  • HSBC, Santander – 6am – 9pm

If you do not receive your payment, you can reach out the DWP via a series of Universal Credit helplines for help.

If you think your payment is wrong, you should also call the helpline and ask for an explanation using your online account, if you have one.

Universal Credit helpines are open from Monday to Friday, 8am-6pm and are as follows:

  • Telephone: 0800 328 5644
  • Textphone: 0800 328 1344
  • Telephone (Welsh language) 0800 012 1888

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