Applying for universal credit

You might be able to get universal credit if you’re on a low income or out of work.

Find out what you should do before applying, how to apply, what paperwork you’ll need and what to do if you can’t apply online.

Before you apply for universal credit

Applying for universal credit isn’t right for everyone.

If you – and your partner if you have one – are already getting certain benefits, you should think twice before moving to universal credit before you have to. In some cases, you could end up getting less money and, once you change, you won’t be allowed to switch back.

Use our benefits calculator to find out if you’ll be better or worse off on universal credit.

Do I need to make a single or joint application?

Universal credit is awarded based on your household finances.

You should make a single application if you live alone or share your home but aren’t part of a couple.

You should make a joint application if you live with, or move in with, someone as a couple. Only one of you has to complete the online universal credit application form – but whoever does it will need to enter both your details.

Setting up a universal credit account

You usually have to apply for universal credit online. To begin with, you’ll be asked to set up an account. You’ll need a phone number and email address to do this.

Providing your bank account details

You’ll also need a bank account to get universal credit. If you’re making a claim with a partner, only one of you needs a bank account.

If neither of you have one, you can use a friend or family member’s bank account for your first payment, as long as you have their permission.

But you’ll need your own bank account before your second payment.

Your universal credit to-do list

Once you’ve set up your universal credit account, you’ll be able to start your application.

You’ll be asked questions about your situation – this is referred to as your ‘to-do list’.

To complete your to-do list, you’ll need information about:

your housing costs
your earnings
your savings and any investments
any disability or sickness that affects your work
how much you spend on childcare if you’re claiming for childcare costs

It’s a good idea to gather all the information you have on these things in advance.

Proving your identity

You’ll be asked to prove your identity using the government’s online system.

To do this, you’ll need documents such as your:
passport
driving licence
debit card
payslip or P60

You might need to speak to the universal credit team either at a jobcentre or over the phone if you can’t prove your identity online.

Booking an appointment with your work coach

Before your application is complete, you’ll need to:

book an appointment with your work coach
complete any new tasks that are added to your to-do list
go to your appointment at the Jobcentre

If you can’t apply for universal credit online

In certain circumstances, you may be able to apply for universal credit over the phone or even arrange for a home visit.

You might be able to do this if you:

don’t have access to the internet
struggle to use a computer or smartphone
have sight problems
have a long-term disability or health condition that prevents you applying online
can’t read or write