As we head into July 2025, millions across the UK rely on benefits and pensions to manage their daily living costs.
With the rise in inflation and continuing economic challenges, the government offers multiple support options to ease the financial burden.
Here’s a comprehensive guide to July 2025 benefit payment dates, state pension information, and cost of living support available to eligible households.
Benefit Payment Dates in July 2025
Benefit payments for July 2025 will be processed as usual, with no disruptions due to bank holidays.
Below is a list of the benefits and their corresponding payment dates:
| Benefit | Payment Dates |
|---|---|
| Universal Credit | Ongoing monthly payments, check your scheduled date based on your assessment period |
| State Pension | Based on your National Insurance (NI) number (explained below) |
| Pension Credit | Monthly payment based on your eligibility |
| Child Benefit | Weekly or monthly, depending on your preference |
| Disability Living Allowance (DLA) | Monthly payment |
| Personal Independence Payment (PIP) | Monthly payment |
| Attendance Allowance | Monthly payment |
| Carer’s Allowance | Weekly payments |
| Employment Support Allowance (ESA) | Weekly payments |
| Income Support | Monthly payment |
| Jobseeker’s Allowance (JSA) | Weekly payments |
These payments ensure that low-income and vulnerable individuals are supported. As of July 2025, there are no significant changes to the general payment schedule.
Pension Payment Dates in July 2025
State pension payments are usually made every four weeks. The exact day depends on the last two digits of your National Insurance (NI) number:
| NI Number Ending | Payment Day |
|---|---|
| 00 to 19 | Monday |
| 20 to 39 | Tuesday |
| 40 to 59 | Wednesday |
| 60 to 79 | Thursday |
| 80 to 99 | Friday |
State pension recipients should check their payment dates based on the above schedule to ensure they don’t miss out.
Pension and Benefit Increases for 2025
In April 2025, many benefits received an increase to help combat the rising cost of living. The key adjustments include:
- State Pension: Increased by 4.1%, which adds £472 to the annual amount, reflecting wage growth in 2024.
- Universal Credit and Other Benefits: Uplifted by 1.7% in line with inflation figures for September 2024.
These increases are designed to offer more financial support to individuals and families, especially those living on fixed incomes.
Other Forms of Financial Support
In addition to benefits, various other programs provide vital assistance for those facing financial hardship:
- Budgeting Advance Loans: If you’re on Universal Credit, you can access interest-free loans of up to £812 to help with unexpected expenses. Repayment is automatically deducted from your benefits.
- Discretionary Housing Payment: Eligible individuals receiving Housing Benefit or the housing element of Universal Credit can apply for additional support towards rent costs. This payment is available based on council eligibility criteria.
- Household Support Fund: Aimed at helping low-income households with essentials like utility bills, food, and essential appliances. Payments can reach up to £300, distributed by local councils.
- Energy Price Cap: The energy price cap is decreasing by 7% to £1,720 for July to September, providing relief for households facing high energy costs.
Cost of Living Support in July 2025
With inflation continuing to outpace wage growth, several measures have been put in place to provide further assistance:
- Energy Price Cap Reduction: The Ofgem energy price cap has been reduced from £1,849 to £1,720 for the upcoming months, which will help many households save on energy bills.
- 30 Hours of Free Childcare: Available to working parents for children aged 9 months and up. This initiative will expand to include all children under five by September 2025, reducing childcare costs for parents.
As we navigate through July 2025, the UK government continues to offer significant financial assistance to those who need it most.
With increased benefits, pension payments, and additional support options, individuals and families can manage their financial burdens more effectively.
Be sure to keep track of your payment dates and explore all available support to ensure you’re getting everything you’re entitled to.
FAQs
When will my Universal Credit be paid in July 2025?
Universal Credit payments are made monthly. Check your scheduled payment date based on your assessment period.
How much will the state pension increase in 2025?
The state pension will rise by 4.1%, adding £472 annually, in line with wage growth in 2024.
Can I apply for financial help if I have an emergency?
Yes, you can apply for a Budgeting Advance Loan or other forms of emergency support, such as the Household Support Fund.