As living costs continue to climb across the UK, help is on the horizon. The UK government has confirmed a one-time £812 Cost of Living Payment for eligible households in August 2025. It’s a much-needed support payout designed to ease the financial burden of rising inflation, groceries, rent, and utility bills.
Let’s break down everything you need to know — from who’s eligible to when and how you’ll receive it.
Payment
The £812 Cost of Living Payment is a non-taxable, one-time grant aimed at low to middle-income households already receiving certain benefits. It forms part of the government’s ongoing response to economic pressures affecting millions, especially in light of energy prices and food inflation.
This payment is automatic and does not require an application.
Eligibility
To receive the £812 payment, you must have been eligible for and receiving at least one of the following benefits during the qualifying window from 15 July to 10 August 2025:
- Universal Credit
- Income Support
- Pension Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Working Tax Credit
- Child Tax Credit
Eligibility is determined based on your status during this specific period. If you were approved for a benefit later or missed the window, you won’t qualify for this payment.
Dates
The government has set the payment window from 20 August to 31 August 2025. That means most eligible households will see the payment hit their bank accounts during this timeframe.
| Key Dates | Details |
|---|---|
| Qualifying window | 15 July – 10 August 2025 |
| Payment window | 20 August – 31 August 2025 |
| Late-payment follow-up | From 1 September 2025 onward |
The payment will show up on your bank statement as either:
- “DWP COL” (if processed by the Department for Work and Pensions)
- “HMRC Payment” (if processed by HMRC)
Claiming
You do not need to apply for the £812 payment. It’s issued automatically based on your benefit status.
To ensure a smooth process, make sure:
- Your bank details are current with DWP or HMRC
- Your benefit account is active and up to date
- You monitor your bank account between 20–31 August
If you haven’t received your payment by 5 September 2025, you should contact the relevant agency to begin a trace.
Processing
Which department handles your payment depends on the benefits you receive:
| Benefit Type | Processed By |
|---|---|
| Universal Credit, Income Support, JSA, ESA, Pension Credit | DWP |
| Child Tax Credit or Working Tax Credit | HMRC |
If you receive benefits from both DWP and HMRC, you will only get the £812 once, from whichever agency processes it first.
Delays
If your payment is late or missing, consider these common reasons:
- Incorrect or outdated bank details on file
- You didn’t qualify during the 15 July–10 August window
- Your household income or benefit status recently changed
- Your account requires manual review or further verification
Still missing the payment after checking all the above? Call the DWP or HMRC to request a manual trace or case update.
Checklist
Here’s what to do now to ensure your payment comes through:
- Confirm you were receiving a qualifying benefit between 15 July and 10 August 2025
- Check your banking details with DWP or HMRC
- Look at your online benefit account for any alerts or notices
- Set a reminder for 20–31 August to check your payment
- Do not apply — it’s automatic if you qualify
The £812 Cost of Living Payment is more than just cash — it’s peace of mind for those dealing with everyday financial pressure. With no paperwork needed and direct deposit straight to your account, it’s as hassle-free as support gets.
FAQs
When is the £812 payment due?
Between 20 August and 31 August 2025.
Do I need to apply for the £812 payment?
No, it’s paid automatically if you’re eligible.
Who qualifies for the £812 payment?
Anyone receiving eligible benefits during 15 July–10 August.
What if my payment is missing?
Contact DWP or HMRC after 5 September to report it.
How is the payment processed?
By DWP or HMRC depending on your benefit type.
