Step by step
How to claim Universal Credit
Universal Credit replaces six legacy benefits with a single monthly payment. This guide walks you through every step — from checking if you can get it, to receiving your first payment.
Already getting legacy benefits? Do not claim Universal Credit voluntarily. Wait for a Migration Notice letter from DWP. See managed migration guidance on GOV.UK.
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Check if you can get Universal Credit
Universal Credit is for people aged 18 to State Pension age who are on a low income or out of work. You must live in the UK and have no more than £16,000 in savings. If you already get legacy benefits such as Working Tax Credit, Housing Benefit or Income Support, you will be moved to Universal Credit under managed migration — do not stop your existing claim until DWP writes to you.
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Gather your documents
Before you start, have ready: your National Insurance number, bank account details, email address and phone number, proof of identity (passport or driving licence), housing costs (rent agreement or mortgage statement), and earnings or self-employment income. Having these to hand avoids your claim being delayed.
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Apply online through GOV.UK
Go to GOV.UK and create a Universal Credit account. The online application takes about 30 minutes. You will be asked about your household, housing, earnings and savings. You can save and return to the application if you need to stop partway through. Do not use third-party websites that charge a fee — the official service is free.
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Verify your identity
After applying you must verify your identity. Most people do this online using GOV.UK One Login — you will upload a photo of your ID and take a short video selfie. If you cannot verify online, call the Universal Credit helpline to arrange a face-to-face appointment at a Jobcentre.
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Attend your first Jobcentre appointment
Within a few days of applying you will be asked to attend a Claimant Commitment meeting at your local Jobcentre (or by phone if you cannot travel). You will agree to tasks such as job searching or preparing a CV. Missing this appointment without a good reason can stop your payment.
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Receive your first payment
The standard waiting period is five weeks from the date of your claim to your first payment — this covers a one-month assessment period plus up to seven days for payment to arrive. If you cannot afford to wait, you can ask for an Advance Payment on your first day of claiming. This is a loan repaid from future Universal Credit payments.
Common questions about claiming Universal Credit
How long does a Universal Credit claim take?
Most new claimants receive their first payment five weeks after they apply — one month assessment period plus up to seven days for BACS payment. If you need money sooner you can request an Advance Payment on your first day of claiming.
Can I claim Universal Credit if I am working?
Yes. Universal Credit tops up low earnings. The amount you receive reduces by 55p for every £1 you earn above your Work Allowance (if you have one). You report earnings each month through your online journal.
What happens to my Housing Benefit when I claim Universal Credit?
Housing Benefit stops when you move to Universal Credit. Your housing costs are instead paid as part of your Universal Credit award as the Housing Cost Element. Make sure you report your rent amount accurately during your application.
I already get Working Tax Credit — should I claim Universal Credit?
Do not make a new Universal Credit claim if you currently get legacy benefits unless DWP has sent you a Migration Notice letter. Claiming Universal Credit voluntarily ends your legacy benefits immediately and you cannot go back. Wait for DWP to contact you.
What is a Claimant Commitment?
A Claimant Commitment is a personal action plan you agree with your Work Coach. It sets out what you must do to receive Universal Credit — such as how many hours a week to spend looking for work. Failing to meet commitments without a good reason can lead to a sanction (reduction in payments).