John Hughie
As the cost of everyday essentials continues to rise across the UK, the government has confirmed a £300 Cost of Living Payment in July 2025 to provide critical financial support.
This one-off payment is part of a broader effort to help low-income households weather ongoing economic challenges, especially those relying on means-tested benefits.
If you’re receiving Universal Credit, Pension Credit, or similar support, there’s a good chance you’re eligible.
Here’s everything you need to know about the eligibility, payment window, and how this financial assistance will be delivered to your account.
What Is the £300 Cost of Living Payment?
The £300 Cost of Living Payment is a government-backed initiative designed to help households coping with rising expenses like food, rent, and energy bills.
It is managed by the Department for Work and Pensions (DWP) and HMRC, with no application needed.
If you’re eligible, the money will be automatically deposited into your benefit account during the payment window in mid-July 2025.
Eligibility Criteria for the £300 Payment
To qualify for the £300 payment, you must have received one of the approved benefits during the eligibility period from June 5 to June 25, 2025.
Qualifying Benefits Include:
- Universal Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Pension Credit
- Working Tax Credit
- Child Tax Credit
No application is required—the payment will be automatically processed and deposited into your existing benefits bank account.
Payment Schedule and Delivery Method
The Department for Work and Pensions will begin issuing payments in mid-July 2025, with most recipients expected to receive the full amount by the end of July.
You do not need to contact DWP or fill out any forms. The system will match the eligibility window with your benefits record and initiate the payment directly.
£300 Cost of Living Payment – July 2025
| Details | Information |
|---|---|
| Payment Amount | £300 |
| Payment Window | Mid to End of July 2025 |
| Eligibility Period | June 5 – June 25, 2025 |
| Qualifying Benefits | UC, IS, JSA, ESA, PC, WTC, CTC |
| How It’s Paid | Direct deposit to existing benefit account |
| Need to Apply? | No |
| Council-Level Help? | Varies – may include food or energy vouchers |
Local Council Assistance – Additional Support Available
In addition to the national payment, local councils are continuing to provide support through the Household Support Fund, extended until March 2026. This could come in the form of:
- Food vouchers
- Energy bill support
- One-time emergency cash help
For instance, Doncaster Council has tiered payments between £100 and £300, depending on household size and the number of children. If you’re eligible for Housing Benefit or Free School Meals, you may receive additional support.
Each council has its own rules, so it’s wise to check your local authority’s website or call for personalized assistance.
Why This Payment Matters Now
Despite modest improvements in the UK economy, many households continue to battle inflation, especially when it comes to groceries, energy bills, and rent.
The £300 payment provides critical short-term relief, helping families avoid falling into debt and offering a buffer during difficult months.
The £300 Cost of Living Payment in July 2025 is more than a temporary relief—it’s a crucial step toward stabilizing household budgets during ongoing financial strain.
By ensuring automatic payments, the government is reducing delays and confusion for millions of recipients.
Whether you’re on Universal Credit, Pension Credit, or another qualifying benefit, this payout could provide the much-needed cushion to manage essential expenses.
Don’t forget to explore local council programs too, as they may offer additional aid alongside this central payment.
FAQs
Do I need to apply for the £300 Cost of Living Payment?
No, the payment is automatic. If you were receiving eligible benefits between June 5 and June 25, 2025, you’ll be paid directly.
When will the £300 payment arrive?
Payments will begin in mid-July 2025, with most recipients receiving the amount by the end of the month.
Can I get extra help from my local council?
Yes. Many councils offer additional support such as energy vouchers or cash grants under the Household Support Fund. Visit your local authority’s website for details.
