The UK government is in the process of instituting a significant support package in the form of financial aid as July 2025 comes closer. Within this plan, the poor families will probably get a one-time payment worth 450 lb. This kind of payment will be sent straight to bank accounts using the Department of Work and Pension (DWP).
Although it is not officially called the “Cost of Living Payment”, its purpose is exactly the same – to give people relief from rising expenses (especially food, electricity and childcare) during the summer holidays.
Why is this payment necessary?
The inflation rates in the UK might not be as high as previously but the food and energy will continue to be high priced. Coupled with that, once the school holidays commence, the parents are forced to deal with issues such as childcare, additional food and power bill. At such a time, this £450 payment will act as a financial boost for many families.
DWP £450 payment
If you’re wondering if you’re eligible for the DWP £450 payment this July 2025, let’s first find out which beneficiaries will be given this support:
Eligible benefits:
- Universal Credit
- Pension Credit
- Income-Based Jobseeker’s Allowance
- Income Support
- Income-Related ESA
WARNING! Warning: you are not entitled to this payment if you only get disability payments, eg PIP (Personal Independence Payment) or DLA (Disability Living Allowance).
How soon should it be paid?
The DWP has not communicated the specific date yet, but it is expected that it will be issued on the dates extending between July 15 and 26 of 2025.
This will be disbursed in a phased manner, i.e. not all of them will receive the money on one particular day, instead this will be transferred on a introducing sequence.
Important things:
A notification will be sent to the mobile or email registered in your DWP account before the payment.
This payment will be made through direct bank transfer.
For people who receive tax credits through HMRC, the payment process can be done separately.
Information at a glance: DWP £450 payment table
| Category | Description |
|---|---|
| Payment amount | £450 (lump sum) |
| Estimated time | 15 July – 26 July 2025 |
| Payment method | Direct bank transfer by DWP |
| Eligible benefits | Universal Credit, Pension Credit, Income-Based JSA, ESA, Income Support |
| Tax or other impact | Non-taxable, no impact on other benefits |
| Pre-notification | By DWP via SMS/letter |
| HMRC payment | For those taking separate tax credits |
| What to do if you don’t get a payment? | If you received any of the above qualifying benefits during the qualifying period (May–June), contact DWP if not received by end of July. |
2025, and still haven’t received a payment by the end of July, follow these steps:
- Wait a few days after 26 July, there may be technical or banking delays.
- Check the status of your DWP benefits account to see if it was active.
- Read any message or letter sent by DWP carefully.
- Contact the DWP helpline in case you have not got your payment yet.
Hint: Sometimes payments are delayed if you’ve recently changed bank details, or your claim has been updated.
Did you only start claiming in July?
If you only applied for Universal Credit or other benefits in July 2025, sadly you won’t be eligible for this one-off payment.
The DWP usually designates a period of a few weeks before payment as the “eligibility period”.
It’s still advisable to contact your local Jobcentre Plus or Benefits Advisor to confirm your case. In some exceptional cases, an appeal may be possible.
Will this payment be available again later in the year?
The Government has not yet announced any additional payment plans after July 2025. It is believed that this is a one-time support payment.
However, in the future, if inflation increases or there is a change in the budget, the government may bring further schemes.
What will one get who only gets PIP or DLA?
No, as long as someone is not getting an income based benefit (ie not getting the PIP (Personal Independence Payment) or DLA (Disability Living Allowance) only and is not taking an income based benefit; he will not get the payment of PS450 from July 2025.
But you are eligible to receive this assistance when you take Universal Credit or any other qualifying benefit in addition to PIP.
Conclusion
This payment of £450 can prove to be a big relief for families who are struggling with financial difficulties at this time. Especially during the summer holidays when the cost of childcare and household increases, at such a time it is a commendable step taken by the government. If you are eligible, keep your bank information and contact details updated in the DWP records and check notifications regularly. This will help ensure that payments reach your account on time.
FAQs
1. What is the £450 Extra DWP Payment in July 2025?
A. The £450 Extra DWP Payment is a one-time financial assistance being considered by the UK Government for low-income individuals and families to help with rising living costs during summer 2025.
2. Will people on PIP or DLA receive the £450 payment?
A. Not directly. If you only receive PIP or DLA without receiving any income-based benefits listed above, you will not qualify for this payment.
3. When will the £450 DWP payment be made?
A. The expected payment window is between 15 July and 26 July 2025. Payments will be rolled out in phases, not all at once.
4. Do I need to apply to receive the £450 payment?
A. No application is required. If you’re eligible based on your benefit status during the qualifying period, the DWP will automatically send the payment.
5. What is the qualifying period for this payment?
A. Although exact dates may vary, you typically need to have received a qualifying benefit during May or early June 2025 to be considered eligible.
