As inflation continues to weigh on households across the UK, the government’s 2025 Cost of Living Payments are stepping in to provide crucial financial relief. Delivered by the Department for Work and Pensions (DWP), this support totals £900—spread across three automatic payments.
The second, a £300 instalment, is on its way this summer. It’s tax-free, doesn’t interfere with your existing benefits, and lands in your account automatically—no paperwork required.
Overview
This £300 summer payment is the second piece of a broader three-part financial support plan designed to help people stay afloat. Here’s how it’s broken down:
| Payment Time | Amount | Status |
|---|---|---|
| Spring 2025 | £301 | Already Delivered |
| Summer 2025 | £300 | Due July–August |
| Autumn 2025 | £299 | Expected late 2025 |
There’s nothing you need to apply for. If you qualify, the payment arrives just like your usual benefits.
Eligibility
To receive the £300 summer payment, you’ll need to have been receiving one of these means-tested benefits during a set qualifying period (to be confirmed closer to the date):
- Universal Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Pension Credit
- Income Support
- Working Tax Credit
- Child Tax Credit
If you only receive contribution-based ESA, New Style JSA, or New Style ESA—without any of the benefits listed above—you’re not eligible.
What counts is whether you were on a qualifying benefit during the specified eligibility dates, not how long you’ve been claiming. So keep an eye out for updates from DWP.
Payments
When you’re managing tight budgets, timing matters. Here’s the estimated payment schedule:
| Payment Season | Amount | Expected Date |
|---|---|---|
| Spring 2025 | £301 | Already Paid |
| Summer 2025 | £300 | July–August 2025 |
| Autumn 2025 | £299 | November–December 2025 |
All payments are made automatically using the same method as your regular benefits. Double-check your account info to avoid issues.
Checklist
To avoid delays, run through this quick checklist:
- Confirm you receive a qualifying benefit
- Update your bank or Post Office details if anything’s changed
- Keep your contact info up to date, especially if you’ve moved
- Watch for updates via GOV.UK, texts, or email
- Only report missing payments after 3 weeks past the expected date
Something as small as an outdated digit in your bank details can stop your payment in its tracks.
Impact
These payments go beyond numbers—they matter. Jane from Liverpool, a single mum, used her spring payment to cover school essentials. Raj, a pensioner, turned on his heating without stressing over the cost. And Leila, a part-time worker in retail, plans to use the £300 to help with rent and overdue bills.
It’s not a luxury. It’s a small measure of stability when it’s needed most.
Mistakes
Avoiding common errors could be the difference between getting paid or missing out:
- Closed or incorrect bank accounts delay payment
- Changing to non-qualifying benefits removes eligibility
- Only one payment per household if you have a joint claim
- Not all JSA or ESA recipients qualify—check the details
Unsure? Use GOV.UK, reach out via the helpline, or visit Citizens Advice. Better to be certain.
Support
The £900 isn’t all that’s available. Depending on your situation, you might be able to access more support:
| Support Type | Amount | Who Qualifies |
|---|---|---|
| Disability Cost of Living | £150 | Those on PIP, DLA, or Attendance Allowance |
| Winter Fuel Payment + Top-Up | Up to £300 | Pensioners |
| Household Support Fund | Varies | Check with your local council |
| Energy Discounts | Varies | Low-income or vulnerable households |
Don’t leave money on the table—double-check what you might be entitled to.
The £300 summer instalment may not seem huge, but with prices where they are, every little helps. Whether it’s buying uniforms or keeping the power on, this payment can make a genuine difference—if it reaches you. So stay alert, stay informed, and make sure you’re not missing out.
FAQs
When is the £300 payment due?
It’s expected in July or August 2025.
Do I need to apply for it?
No, the payment is automatic if you’re eligible.
What benefits qualify me?
Universal Credit, Pension Credit, and certain tax credits.
Is this payment taxable?
No, it’s completely non-taxable.
What if I miss the payment?
Wait 3 weeks, then contact DWP or HMRC.
