How Much Is Pension Credit A Week In 2025?

In 2025, Pension Credit tops up your weekly earnings to £227.10 if you’re single and your joint weekly earnings to £346.60 if you have a partner. Pension Credit is a benefit to help people with their living costs who are on a low income and have reached State Pension age.

Over 800,000 older adults could be missing out on Pension Credit - around £1.7 billion unclaimed in total - so knowing what this benefit is worth and whether you’re eligible is really important.

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In this article:

1. How much is Pension Credit a week for 2025/2026?
2. How much did Pension Credit increase in 2025?
3. How is Pension Credit paid?
4. Who is eligible for Pension Credit?
5. How to apply for Pension Credit
6. Does Pension Credit count towards the benefit cap?
7. Does Pension Credit affect other benefits?

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How Much Is Pension Credit a Week For 2025/2026?

Pension Credit comprises two elements:

• Guarantee Credit
• Savings Credit

The standard minimum guarantee of Pension Credit for 2025/2026 is £227.10 a week if you’re single and £346.60 a week if you have a partner. This is the amount your weekly income or joint weekly income will be topped up to.

Government figures show that the average weekly amount of Pension Credit people receive is £75 (or around £3,900 a year). How much Pension Credit you get depends on factors like your income, savings and whether you’re single or in a couple.

We’ve summarised these changes in the table below.

You could also be entitled to additional amounts if you have other responsibilities and/or costs. These include:

• An extra £82.90 a week if you have a severe disability and claim a disability benefit such as Attendance Allowance

• An extra £46.40 a week if you care for another adult and receive Carer’s Allowance

• An extra £67.42 a week for each child or young person you’re responsible for. This increases to £78.10 a week if the first child was born before the 6th of April 2017

• An extra £36.54 a week if you’re responsible for a child or young person who is disabled. This rises to £114.12 a week if they’re blind or receive the highest rate of the care component Disability Living Allowance or Child Disability Payment, or the enhanced daily living component of Personal Independence Payment or Adult Disability Payment

You could also be eligible for additional funding to cover housing costs, a Council Tax Reduction, Housing Benefit (if you rent the property you live in) or Support for Mortgage Interest (if you own the property you live in).

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How Much Did Pension Credit Increase In 2025?

Like some other benefits, Pension Credit rates increased by 4.1% in April 2025.

As a result, Pension Credit rates increased by the following amounts:

• Single - £8.95
• Couples - £13.65

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How Is Pension Credit Paid?

Pension Credit is usually paid every four weeks.

It’ll be paid directly into your bank, building society or Post Office account.

If you’re unable to open or manage a bank or building society account, it’ll instead be paid through the Payment Exception Service.

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Who Is Eligible For Pension Credit?

To qualify for Pension Credit, you must have reached the State Pension age and live in England, Scotland or Wales.

You can check your State Pension age here.

If you have a partner, you’ll be eligible if you’ve both reached the State Pension age, or if one of you receives Housing Benefit for people above the State Pension age.

If your income (or joint income if you have a partner) is higher than the weekly top-up amounts, you could still qualify if you have a disability, you care for someone, you have savings or you have additional housing costs.

Income includes your State Pension, personal or workplace pension, earnings from employment and self-employment and the majority of social security benefits, such as Carer’s Allowance. However, several benefits aren’t counted as income, including Attendance Allowance, Personal Independence Payment, Disability Living Allowance and Housing Benefit.

If you have £10,000 or less in savings and investments, this won’t affect your Pension Credit. Every £500 you have above this amount will count as £1 of weekly income.

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How To Apply For Pension Credit

You can apply for Pension Credit online through GOV.UK.

You can also claim Pension Credit over the phone by calling 0800 99 1234.

To apply by post, print out and fill in the Pension Credit claim form. You can also call the claim line number above and ask for a form to be sent to you.

This form then needs to be sent to:

The Pension Service 8 Post Handling Site B Wolverhampton WV99 1AN

When applying, you’ll need to provide:

• Your National Insurance number
• Your bank or building society details
• Records of your income, savings and investments

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Does Pension Credit Count Towards the Benefit Cap?

The Benefit Cap is the maximum amount of money you can receive through benefit payments. It affects several means-tested benefits.

However, the Benefit Cap doesn’t apply to people who have reached the State Pension age, meaning that people who receive Pension Credit are exempt from it.

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Does Pension Credit Affect Other Benefits?

The Guarantee Credit part of Pension Credit doesn’t count as income when working out your eligibility for other benefits.

If you receive the Guarantee Credit part of Pension Credit, you’ll also qualify for the maximum Housing Benefit. However, you will need to make a separate claim for this.

The £16,000 capital limit for Housing Benefit won’t apply if you receive the Guarantee Credit part of Pension Credit, but will apply if you only receive the Savings Credit part of Pension Credit.

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