Pensioners across the UK are receiving a financial boost in 2025 after the State Pension increased by 4.1 percent for the 2025/26 financial year. This change, applied from April 2025, follows the government’s Triple Lock policy, which ensures that pensions rise each year by whichever is highest: inflation, wage growth, or 2.5 percent.
As a result, retirees are now receiving more each month, with no delays expected in July payments. Here’s everything you need to know.
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Pension Rates
Here’s a breakdown of the new State Pension payment amounts from April 2025:
| Type of Pension | Weekly Payment | Monthly (Every 4 Weeks) | Annual Total |
|---|---|---|---|
| Basic State Pension | £176.45 | £705.80 | £9,175.60 |
| New State Pension | £230.25 | £921.00 | £11,973.00 |
Depending on which pension you receive, you’ll now have between £360 to £470 more per year.
When Will You Get Paid?
In July 2025, there are no UK bank holidays, so State Pension payments will be made on their regular schedule. Your exact payment day depends on the last two digits of your National Insurance (NI) number.
| NI Number Ending In | Payment Day |
|---|---|
| 00 to 19 | Monday |
| 20 to 39 | Tuesday |
| 40 to 59 | Wednesday |
| 60 to 79 | Thursday |
| 80 to 99 | Friday |
For example, if your NI number ends in 47, your pension will be paid every Wednesday.
How Payments Work
State Pension payments are made every four weeks directly into your bank account. Here’s what you can expect:
- Your first payment usually arrives within five weeks of your chosen start date
- After that, a full payment is made every four weeks
- You choose your pension start date when you first apply
- Your payment day is based on your NI number and cannot be changed
If a payment date ever falls on a bank holiday, it’s sent early. However, no changes are expected in July 2025.
Who Qualifies?
To receive the State Pension, you must:
- Be at least 66 years old (current pension age)
- Have made at least 10 qualifying years of National Insurance contributions
- For the full new State Pension, you need 35 qualifying years
You can claim the State Pension and continue to work if you choose.
Increase Help
The 4.1 percent increase means:
- An extra £360 per year if receiving the full basic State Pension
- An extra £470 per year if receiving the full new State Pension
This rise does not affect your entitlement to other benefits, and the payments remain tax-free if your income stays below the personal tax allowance threshold.
New Claiming Process
If you’re just starting your State Pension claim:
- You will choose your start date during the application
- Your first payment may be a partial amount depending on that date
- You’ll receive a letter with your payment details and schedule
- Regular payments then begin every four weeks
Reminders
- You cannot select your payment day; it is set by your NI number
- Payments are made via direct deposit into your chosen bank account
- If you change banks, update your details through your DWP online account or contact them
- No action is needed for existing pensioners—payments continue as usual
With no disruptions in July 2025 and higher rates now in place, pensioners can look forward to stable and timely payments. Knowing your payment day and staying up to date with your account details can help you plan your monthly budget with confidence.
FAQs
When are July 2025 State Pension payments due?
They are paid on your scheduled weekday with no delays expected.
How much is the new full State Pension?
The full new State Pension is £230.25 per week.
Do pensioners need to reapply after the increase?
No. Existing recipients will receive the updated amount automatically.
How is the payment day decided?
It is based on the last two digits of your National Insurance number.
Is the pension income taxable?
Only if your total annual income exceeds your tax-free allowance.
