In 2026, the UK government has introduced a refreshed Cost of Living Support package to assist millions of households facing rising energy costs and inflation. This comprehensive guide covers everything you need to know about the £900 payment installments, eligibility criteria, and how to ensure you receive your funds without delay.
Overview of the 2026 UK Government Scheme
The Department for Work and Pensions (DWP) and HM Revenue and Customs (HMRC) are coordinating the rollout of financial aid. The support is primarily targeted at low-income families, pensioners, and individuals receiving disability benefits.
Key Features:
-
Total Support: Up to £900 for most eligible households.
-
Automatic Payments: In most cases, you do not need to apply; the money is paid directly into your bank account.
-
Tax-Free: These payments do not count towards the benefit cap and are completely tax-free.
Who is Eligible for the £900 Payment?
To qualify for the three installments of the Cost of Living Payment, you must be receiving one of the following “means-tested” benefits during the qualifying periods:
-
Universal Credit: The most common qualifying benefit.
-
Pension Credit: For low-income retirees.
-
Income-based Jobseeker’s Allowance (JSA): Specifically the income-based version.
-
Income-related Employment and Support Allowance (ESA): For those with health conditions.
-
Income Support: For those on very low incomes.
-
Working Tax Credit & Child Tax Credit: Administered by HMRC.
Disability Cost of Living Payment (£150)
A separate one-off payment of £150 is available for those receiving:
-
Attendance Allowance
-
Disability Living Allowance (DLA)
-
Personal Independence Payment (PIP)
-
Armed Forces Independence Payment
Official Payment Schedule 2026-2027
The government has split the £900 payment into three distinct installments to provide support throughout the year.
| Installment | Amount | Expected Payment Window |
| First Payment | £301 | Spring 2026 (April/May) |
| Second Payment | £300 | Autumn 2026 (October/November) |
| Third Payment | £299 | Winter 2027 (February) |
Note: Dates may vary slightly depending on whether you are paid by the DWP or HMRC.
Special Provisions for Car Owners and Commuters
Under the 2026 Green Transport Initiative, certain residents may be eligible for additional fuel vouchers or MOT subsidies if they meet specific low-income criteria. This is part of the UK’s broader “Work-to-Travel” support, helping essential workers manage the cost of commuting during the inflation spike.
Step-by-Step: How to Claim Your Payment
-
Check Your Benefit Statement: Ensure your Universal Credit or Pension Credit account is active.
-
Verify Your Bank Details: The DWP will use the same account where you receive your regular benefits. Ensure these details are up to date.
-
Watch for Notifications: You will typically receive a text message or a letter from the DWP once the payment is processed.
-
Report Missing Payments: If the payment window closes and you haven’t received funds, use the official “Report a missing Cost of Living Payment” tool on the GOV.UK website.
Important: Avoid Scams
The UK government will never ask for your bank details via text message or email for these payments. If you receive a link asking for your personal information, it is a scam. All legitimate payments are automatic.
Conclusion:
The 2026 UK Government Scheme provides a vital lifeline. Ensure your contact information with the DWP is current to avoid any delays. Stay tuned to official government portals for the exact “Qualifying Dates” which are usually announced a few weeks before each payment window opens.
Frequently Asked Questions (FAQs)
Q1: Can I get the payment if I am not on Universal Credit?
Yes, as long as you receive any of the other means-tested benefits mentioned above, such as Pension Credit or Tax Credits.
Q2: Will this affect my other benefits?
No. These payments are disregarded for the purposes of calculating other benefits or the benefit cap.
Q3: What if I have a joint claim?
For joint claims, only one payment of £301, £300, or £299 will be made per household.
Q4: Is there a deadline to apply?
No application is required for the standard Cost of Living payments. However, if you believe you are eligible for Pension Credit, you should apply immediately to backdate your claim and secure future payments.