Universal Credit UK: Alternative Payment Arrangement rules explained – how to apply


Universal Credit payments are based on a person’s specific circumstances and additional payments can be given for elements such as childcare costs and rent. The amounts may be affected by how much a person earns and could therefore vary from month to month.

To apply for APA, claimants will need to speak with their work coach.

Under normal circumstances, Universal Credit is usually paid once a month into a designated bank, building society, or credit union account.

Initial payments may take around five weeks to arrive but beyond that, payments will arrive on the same date of every month.

Should payment dates fall on a weekend or a bank holiday, claimants will usually be paid on the first working day before.

Additionally, if a claimant is employed how much they’ll receive from Universal Credit can be affected by earnings from employment.

Generally, the more a person earns from employment the more their Universal Credit will be reduced by.

Universal Credit payments will reduce gradually until it is eventually no longer needed.

Under the current rules, Universal Credit payments will reduce by 63p for every £1 received from employment.

To make an initial claim, people will need to head online.

Various information will need to be provided for an application to be processed, which can include banking details, contact information and details on income and costs.

To qualify for Universal Credit, a claimant will need to be aged between 18 and state pension age.

Additionally, they’ll need to be a on a particularly low income, have less than £16,000 in savings and be living in the UK.



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