£646 Worth of Freebies And Discounts In July For Universal Credit Claimants – Full Breakdown And How To Qualify

£646 Worth of Freebies And Discounts In July For Universal Credit Claimants – Full Breakdown And How To Qualify

Millions of people across the UK are currently receiving Universal Credit, the Department for Work and Pensions’ flagship benefit aimed at supporting individuals on low incomes, whether they are out of work or in employment.

While many view Universal Credit as solely a financial benefit, it actually unlocks a wide range of additional support worth up to £646 in July 2025 alone.

From council tax reductions to energy bill relief and free prescriptions, the hidden perks attached to Universal Credit can provide crucial financial breathing room for struggling households.

Below is a full breakdown of these benefits and how much each is worth monthly and annually.

Breakdown of Universal Credit Freebies and Discounts – July 2025

Benefit TypeMonthly ValueAnnual ValueNotes
Council Tax Discount£171£1,710Up to 75% off Council Tax based on local eligibility
Household Support Fund£300 (one-time)N/AOne-off payment depending on local authority rules
Energy Bill Support£166£2,000Debt relief through schemes by British Gas, Octopus, and others
Free Prescriptions£9.90£118NHS Help with Health Costs scheme if income is below threshold
Total (July 2025)£646.90£4,028Combined value for eligible claimants receiving all available benefits

Council Tax Discount – Up to £171 in July

If you’re claiming Universal Credit, you may qualify for a Council Tax Reduction of up to 75%, depending on your circumstances. This includes factors like income, household size, and whether you live alone or have a disability.

The average Band D Council Tax bill in England for the 2025-26 tax year is £2,280. A 75% reduction on this would save you £1,710 annually, equating to £171 per month across the standard 10-month payment cycle.

Household Support Fund – £300 One-Time Payment

The Household Support Fund, renewed for 2025, offers direct support to low-income families through local councils.

Although the amount varies by council, many are providing cash paymentsfood vouchers, or energy credits valued at around £300 per eligible household.

While not guaranteed or recurring, those who qualify and receive the full amount in July 2025 will gain a significant one-off boost to help cover basic living expenses.

Energy Bill Relief – Up to £166 per Month

Rising energy costs remain one of the biggest financial pressures for UK households. Thankfully, major energy providers like British Gas and Octopus Energy offer grants and debt write-offs for those on Universal Credit.

Support amounts vary by provider but can range from £50 to £2,000 per year, depending on your circumstances and arrears.

That averages out to £166 per month for those receiving full assistance. These schemes typically require prior financial advice and proof of need.

Free NHS Prescriptions – Save £9.90 Monthly

Universal Credit claimants who earn less than £435 per assessment period can access free prescriptions through the NHS Help with Health Costs scheme.

At the current prescription rate of £9.90 per item, monthly savings can add up quickly for those managing health conditions. Over a full year, this adds up to a total value of £118 for just one regular prescription.

Why These Benefits Matter

These additional supports aren’t just nice extras—they can make a huge difference to those trying to stretch every pound during difficult financial times.

Many claimants are unaware of these benefits or fail to claim them simply due to a lack of information.

By understanding what’s available and checking eligibility with local councilsenergy suppliers, and the NHS, Universal Credit recipients could significantly reduce their cost of living in July 2025 and beyond.

Universal Credit does more than provide a monthly cash payment. In July 2025, eligible claimants can unlock up to £646.90 in added support, covering everything from household bills to healthcare.

If you’re currently on Universal Credit or recently applied, now is the time to explore these opportunities and claim your full entitlement.

FAQs

Do I need to apply separately for these benefits if I’m on Universal Credit?

Yes, most of these benefits require separate applications through your local councilNHS, or energy provider, even if you’re receiving Universal Credit.

Can I still get these discounts if I’m working while on Universal Credit?

Yes. Universal Credit supports low-income workers too, and most discounts apply as long as you’re receiving the benefit and meet other criteria.

Is the £300 Household Support Fund available to everyone on Universal Credit?

Not necessarily. Each local authority has its own rules for distributing this fund, and eligibility may vary. It’s important to check with your local council.

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