The UK government is giving a £500 Cost of Living Payment this autumn to help pensioners and low-income families with rising costs. If you want to know if you qualify, when the money comes, and how it works, this guide has everything you need.
What Is the £500 Autumn Payment and Why It Matters
The £500 payment is a one-off cash boost for households on certain benefits. It is meant to help people cope with higher living costs like energy bills and groceries. Those on Universal Credit, Pension Credit, or Tax Credits are the main recipients.
When Will the £500 Payment Be Made
Payments started on 23 September 2025 and finished by 15 October 2025. The exact date depends on your benefit:
| Benefit Type | Payment Issuer | Payment Date Range |
|---|---|---|
| Universal Credit | DWP | 7–11 October 2025 |
| ESA / JSA / Income Support | DWP | Early to mid-October 2025 |
| Pension Credit | DWP | Mid-October 2025 |
| Working Tax Credit / Child Tax Credit | HMRC | Late October 2025 |
The money will go straight into your bank account with the reference “DWP COL Payment 2025” or “HMRC COL Payment 2025.”
How Does the £500 Payment Work – Explained Simply
You don’t need to apply. If you get a qualifying benefit, the payment is automatic. Just make sure your bank details are up to date with DWP or HMRC. The payment will appear in your account under the correct reference.
Common Mistakes With the £500 Payment and How to Avoid Them
- Not updating bank details. Make sure your account info is current.
- Falling for scams. The government won’t ask for bank details by email or text.
- Ignoring eligibility. Check that you are on a qualifying benefit to receive the payment.
Best Tips to Make the Most of the £500 Payment
- Cover essentials first, like bills or rent.
- Avoid spending it on non-essential items.
- If you’re eligible but haven’t received it, contact DWP or HMRC right away.
The Latest Updates on the £500 Autumn Payment
This £500 payment is part of ongoing support for low-income households. Other options like the Winter Fuel Payment and Cold Weather Payments are also available if you need more help.
Conclusion
The £500 Cost of Living Payment is a helpful boost for pensioners and low-income families. Make sure your details are up to date, watch out for scams, and use the money wisely. Most people don’t need to do anything to receive it.
FAQs
When will I get the £500 payment?
Payments were made between 7 and 25 October 2025, depending on your benefit type.
What if I haven’t received my payment?
Check your bank details with DWP or HMRC and contact them if it hasn’t arrived.
Can I apply for the £500 payment?
No, it is automatic for eligible recipients.
How will the payment appear in my bank account?
It will show as “DWP COL Payment 2025” or “HMRC COL Payment 2025.”
What should I do if I get a suspicious message about the payment?
Do not respond. Report it to the relevant department and delete the message.
