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In the UK, Universal Credit claimants receive financial support from the government, but when does the money usually arrive? In this post, we’ll go through the steps and when you should expect the money to appear in your bank account.
Although some people have complained about the complexity of Universal Credit, which has replaced six previous benefits, the payments are fairly straightforward as long as you understand what is happening.
When is Universal Credit paid?
Universal Credit will send a single payment once a month after it has been assessed and paid in arrears. When your payment is counted will be determined by when you make your initial application.
The first payment of Universal Credit is issued one week after the end of the initial one-month assessment period, so you will have to wait five weeks when you first claim.
Thereafter, payments will be made on the same day each month, unless the date falls on a public holiday or weekend.
Customers will be paid on the last working day before the public holiday or weekend if the payment date falls on a public holiday or weekend, according to the Department for Work and Pensions.
However, even if the date is changed due to a public holiday or weekend, the amount of money you will receive will not change.
If your payments usually arrive on the 29th, 30th or 31st of the month, and we are in a 28-day month, you will be paid on the 28th, the last day of the month.
What time do you get paid Universal Credit?
Universal Credit payments are normally transferred to a bank, building society or credit union account, which must be a current account and not a savings account.
The money normally becomes accessible after midnight on the due date after the UK government sends the Universal Credit payment, however this varies at your bank.
According to ToughNickel, banks usually process the money at the following times
- Clydesdale, Yorkshire – 11.30pm to 12.30am the night before
- Lloyds – 12am to 1am
- Bank of Scotland – 12am to 1.30am.
- Metro Bank – open 12am to 2am
- Barclays and Co-op – 1 a.m. to 2 a.m.
- 2 a.m. to 3 a.m. – Natwest, RBS, Ulster Bank, Nationwide
- 3 a.m. to 4 a.m. at Halifax
- HSBC and Santander open from 6am to 9am