Applying for universal credit
You might be able to get universal credit if you’re on a low income or out of work.
Find out what you should do before applying, how to apply, what paperwork you’ll need and what to do if you can’t apply online.
Before you apply for universal credit
Applying for universal credit isn’t right for everyone.
If you – and your partner if you have one – are already getting certain benefits, you should think twice before moving to universal credit before you have to. In some cases, you could end up getting less money and, once you change, you won’t be allowed to switch back.
Use our benefits calculator to find out if you’ll be better or worse off on universal credit.
Do I need to make a single or joint application?
Universal credit is awarded based on your household finances.
You should make a single application if you live alone or share your home but aren’t part of a couple.
You should make a joint application if you live with, or move in with, someone as a couple. Only one of you has to complete the online universal credit application form – but whoever does it will need to enter both your details.
Setting up a universal credit account
You usually have to apply for universal credit online. To begin with, you’ll be asked to set up an account. You’ll need a phone number and email address to do this.
Providing your bank account details
You’ll also need a bank account to get universal credit. If you’re making a claim with a partner, only one of you needs a bank account.
If neither of you have one, you can use a friend or family member’s bank account for your first payment, as long as you have their permission.
But you’ll need your own bank account before your second payment.
Your universal credit to-do list
Once you’ve set up your universal credit account, you’ll be able to start your application.
You’ll be asked questions about your situation – this is referred to as your ‘to-do list’.
To complete your to-do list, you’ll need information about:
- your housing costs
- your earnings
- your savings and any investments
- any disability or sickness that affects your work
- how much you spend on childcare if you’re claiming for childcare costs
It’s a good idea to gather all the information you have on these things in advance.
Proving your identity
You’ll be asked to prove your identity using the government’s online system.
- To do this, you’ll need documents such as your:
- passport
- driving licence
- debit card
- payslip or P60
You might need to speak to the universal credit team either at a jobcentre or over the phone if you can’t prove your identity online.
Booking an appointment with your work coach
Before your application is complete, you’ll need to:
- book an appointment with your work coach
- complete any new tasks that are added to your to-do list
- go to your appointment at the Jobcentre
If you can’t apply for universal credit online
In certain circumstances, you may be able to apply for universal credit over the phone or even arrange for a home visit.
You might be able to do this if you:
- don’t have access to the internet
- struggle to use a computer or smartphone
- have sight problems
- have a long-term disability or health condition that prevents you applying online
- can’t read or write
Money Wellness blogs
09 Oct 2024
Devastating effect of cuts
08 Oct 2024
Don’t ignore your migration letter.
07 Oct 2024
Calls are being made for the expansion of other financial support
04 Oct 2024
Make your money go further by taking advantage of all the other help that comes with a universal credit claim
02 Oct 2024
Maria eats once a day and can’t afford to heat her home.