How do I apply for universal credit?

Before You Start, You Will Need:

  • National Insurance number: Your unique ID for taxes and benefits.

  • Bank account details: Account number and sort code for receiving payments.

  • Proof of identity: A passport, driving license, or birth certificate.

  • Income information: Pay slips, contracts, or other proof of earnings.

  • Savings details: Information about any money in bank accounts or investments.

  • Other benefits details: Information about any benefits you currently receive.

  • Housing details: Rent or mortgage amounts and your landlord’s address if you rent.

  • Childcare costs (if relevant): Receipts or invoices for any childcare payments.

Step 1: Check If You’re Eligible

Make sure you meet these basic requirements:

  • You’re 18 or older (some exceptions for 16-17 year-olds).

  • You live in the UK.

  • You have a low income or are unemployed.

  • You have savings under £16,000.

Step 2: Create an Account Online

Visit the Universal Credit website to create an account. You’ll need an email address and to set a password.

https://www.gov.uk/sign-in-universal-credit

Step 3: Complete the Application

Fill out the application with your personal details, income, housing costs, savings, and any health conditions.

Step 4: Verify Your Identity

Verify your identity online using a service like GOV.UK Verify, which might require uploading documents like a passport or driving license. https://www.gov.uk/government/publications/introducing-govuk-verify/introducing-govuk-verify

Step 5: Submit Your Application

Review all your details and submit the application. You’ll get a confirmation email with your application reference.

Step 6: Schedule an Interview

Book an interview at your local Jobcentre, where you'll discuss your situation and agree on a Claimant Commitment—a plan outlining what you’ll do to look for work or improve your circumstances.

Jobcentre phone number: 0800 169 0190

Step 7: Attend the Interview

Go to your Jobcentre Plus interview, bringing any documents they ask for. You’ll agree on a plan for looking for work or improving your situation.

Step 8: Receive Your Payments

Your first payment will arrive about five weeks after your application. After that, payments will be made monthly into your bank account.

Step 9: Update Your Details if Things Change

If your situation changes (like getting a job or moving house), update your Universal Credit account online to keep your payments accurate.

Step 10: Get Extra Help if You Need It

If you need more support with Universal Credit, contact your work coach through your online account, or get advice from local support services or charities.