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Your Bank

It’s really important you have your own bank account set up to receive Universal Credit (UC).

This is because you’ll need to be prepared to receive the single monthly payments that are replacing the current benefits you are given.

Why do you need a bank account?

There are a number of advantages to having a bank account; not only will it mean you’re able to successfully claim UC, but it also means you can set up direct debits which will make it a lot easier for you to pay your household bills and living costs and manage your money.

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In addition to this, there are a number of payments that can be made to you to support you on Universal Credit; an example of this is an advance payment.

An advance payment is a small short term loan that will be paid into your account to help cover any extra costs you may have in the weeks leading up to your first UC payment. You can read more about advance payments and how to apply for one online in our advance payments guide.

Don’t worry if you don’t already have a bank account, it’s really simple to set one up either in your local high street branch, online or over the phone.

Building icon whiteThere are a number of different bank accounts available; to make sure you find one that’s right for you have a look through our guide.

Here to help…

If you are a social housing tenant and are looking for some help you can find a list of contact information for a number of Housing Associations on our helpline and support page. It’s great if you have any questions about how Universal Credit will affect you and want to know more about the changes it brings.

You can also call the Universal Credit helpline on 0800 328 9344. They’re open Monday to Friday from 8.00am until 6.00pm. Use this number to report any changes to your circumstances that you think might affect your claim.

Helplines & Support