Get online
Universal Credit is claimed and administered online so you will need an email address and be able to create an online account. You can access free digital help, support and advice at digital inclusion hubs around the city as well as IT skills courses available online. To find a full list of the help available visit our digital inclusion page.
Get a bank account
With several benefits being combined into one monthly payment, it is important that you have a transactional bank account so that you can receive automated payments.
The right bank account can make it easier for you to manage your finances such as setting up direct debits to pay bills including your rent. The Money Advice Service provides advice and a list of banks which offer fee-free basic accounts.
Get a budgeting plan
Universal Credit is a monthly payment, paid in arrears, so it’s important to be able to manage your finances to prevent getting into debt.
Money Advice Service also offers lots of help with budgeting including how to apply for an advanced payment to help you manage while you wait for your Universal Credit to be paid.
You will also need to tell us if you need help to pay your Council Tax. Council Tax support is not included in your Universal Credit payment and you will need to apply for Council Tax Reduction separately.
The DWP's Universal Credit planner may also be useful in helping you decide what you need to do before you claim.
