Universal Credit is a financial support system designed to help people with their living costs. It is usually paid once a month, directly into your bank, building society, or credit union account. Your payment may also include rent or housing costs, but you’ll typically need to pay your landlord yourself. If you cannot open an account, you can contact the Universal Credit helpline to arrange another way to receive your payment.
How Universal Credit Payments Work
Receiving Your Payment
Once your Universal Credit claim is approved, payments are made monthly. Your Universal Credit amount depends on your circumstances and is reassessed each month during your assessment period.
If you live in Scotland, you may have the option to receive payments twice a month instead of once.
If you and your partner both claim Universal Credit, you will receive a single payment for your household each month. However, if you are in Scotland and choose twice-monthly payments, your household will receive two payments instead.
Your First Universal Credit Payment
Your first payment usually takes around 5 weeks to arrive. This includes:
- A 1-month assessment period
- Up to 7 days of processing time
If you need money before your first payment, you can apply for a Universal Credit advance.
Example of First Payment Timeline
- Sam applies for Universal Credit on 10 September.
- Their first assessment period runs from 10 September to 9 October.
- Sam receives their first payment on 17 October.
- From then on, they get paid on the 17th of every month.
Monthly Assessment Periods and Payment Dates
Universal Credit is calculated based on your circumstances each month, called an assessment period. Payments are usually made 7 days after your assessment period ends.
Important Notes About Payment Dates
- Your payment date remains the same each month.
- If your payment date falls on a weekend or bank holiday, you’ll be paid on the working day before.
- You can check your upcoming payments through your online Universal Credit account.
How Universal Credit Payments Work in Scotland
In Scotland, you can choose to be paid once or twice a month.
Twice-Monthly Payment Schedule
- Your first payment will cover a full month.
- Your second month’s payment will be split:
- Half is paid one month later
- The second half is paid 15 days after that
Example of Twice-Monthly Payments
- First full payment arrives on 14 December.
- Half of the second month’s payment arrives on 14 January.
- The second half arrives on 29 January.
- Future payments continue on 14th and 29th of each month.
If you’re already receiving Universal Credit and want to switch to twice-monthly payments, you can ask your work coach for this option.
Alternative Payment Arrangements (APA)
If you struggle to manage a single monthly payment, you can request an Alternative Payment Arrangement (APA). This may allow you to:
Have your rent paid directly to your landlord.
Receive payments twice a month instead of once.
Get a separate payment from your partner.
You are more likely to qualify for an APA if you have:
- Unpaid rent (rent arrears)
- Addiction problems
- Mental health issues
- Learning difficulties
- Experience of homelessness
- Experience of domestic abuse
You can request an APA after making a claim by contacting Universal Credit.
Universal Credit payments follow a structured system, with most people receiving their payments once a month. Your payment date remains consistent, but you may have different options if you live in Scotland or need help managing your money. If you’re struggling financially before your first payment, you can apply for an advance. Additionally, if your circumstances change, it’s essential to report them immediately to ensure you receive the correct payment.
If you need further assistance with payments or managing your finances, you can contact the Universal Credit helpline for support.
FAQ’s
When will I receive my first Universal Credit payment?
Your first Universal Credit payment usually takes around 5 weeks, including a 1-month assessment period and up to 7 days of processing.
Can I receive Universal Credit twice a month in Scotland?
Yes, if you live in Scotland, you can choose to receive Universal Credit payments twice a month instead of once.
What happens if my Universal Credit payment date falls on a weekend?
If your payment date falls on a weekend or bank holiday, you will receive your Universal Credit payment on the working day before.
What is an Alternative Payment Arrangement (APA)?
An APA allows you to receive payments twice a month, have rent paid directly to your landlord, or get a separate payment from your partner.
Can I get an advance on my first Universal Credit payment?
Yes, you can apply for a Universal Credit Advance if you need money before your first payment arrives.
