Ally
On July 1, 2025, the UK government rolled out an increase in Universal Credit payments to help households keep up with rising living costs.
Specifically, couples where one or both partners are over 25 now receive £617.60 per month, up from £578.82.
This £38.78 monthly boost is a crucial lifeline for low-income households, carers, part-time workers, and those struggling with rent or childcare.
If you already receive Universal Credit, the increase is automatic. If you’re not yet receiving it but think you qualify, now is the time to apply.
Quick Update Overview
| Aspect | Details |
|---|---|
| New Monthly Rate | £617.60 (for couples aged 25 or over) |
| Previous Rate | £578.82 |
| Effective Date | July 1, 2025 |
| Eligibility | UK residents 18+, low income, savings under £16,000 |
| Application | Online via gov.uk |
| Payment Frequency | Monthly |
| Extra Elements | Childcare, housing, disability, and dependents |
What Is Universal Credit?
Universal Credit is a monthly payment aimed at supporting individuals and families with low or no income. It consolidates six previous benefits into one simpler system, including:
- Income Support
- Child Tax Credit
- Working Tax Credit
- Housing Benefit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
Universal Credit payments adjust based on income, household composition, health conditions, and housing costs. As your circumstances change, so does your entitlement.
What’s Changed in July 2025?
As of July 2025, the standard allowance for couples aged 25 and over rose from £578.82 to £617.60 per month. This change reflects inflation trends and rising living costs.
If you’re already claiming Universal Credit and fit this category, you don’t need to take any action—the increased payment will appear in your next cycle.
Who Qualifies for the New Rate?
To be eligible for Universal Credit (and benefit from the July 2025 increase), you must meet the following:
Basic Eligibility Criteria
- Be 18 years or older (some exceptions at 16 or 17)
- Live in the UK
- Have less than £16,000 in savings or investments
- Be on a low income or out of work
Special Circumstances That Also Qualify
- You are responsible for children or dependents
- You’re a carer or have a health condition or disability
- You’re paying for childcare costs while working
- You’re responsible for rent or mortgage payments
How to Claim Universal Credit
Follow these steps to apply:
1. Check Your Eligibility
Use the online eligibility checker or speak to your local Jobcentre Plus.
2. Prepare Your Documents
You’ll need ID, income statements, housing costs, childcare bills, and banking information.
3. Apply Online
Create a Universal Credit account at gov.uk and submit your application within 28 days.
4. Verify Your Identity
Complete this step online or in-person at a local office if required.
5. Attend an Interview
Meet your Work Coach and agree to a Claimant Commitment, outlining your responsibilities.
6. Receive a Decision
Expect your first payment within five weeks. You can request an advance if needed urgently.
Extra Financial Support Available
In addition to the standard allowance, Universal Credit may also include:
Child Elements
- Extra payments for each child
- Higher payments for children with disabilities
Disability and Health Support
- Additional amounts for long-term health conditions or limited capability to work
Housing Costs
- Rent support
- Help with mortgage interest (if eligible)
Childcare Support
- Up to 85% of eligible childcare expenses reimbursed for working parents
These elements are automatically added to your total monthly payment if you qualify.
Keeping Your Claim Up to Date
It’s essential to report any changes in your situation immediately to avoid delays or overpayments. These include:
- A new job or change in income
- Moving to a new address
- Having a baby
- Changes in relationship status
- Medical condition updates
Failure to report changes can result in repayment demands or penalties.
The £578.82 Universal Credit increase to £617.60 from July 2025 is a timely adjustment to support UK families facing higher costs.
If you qualify, make sure your details are current, or apply now. It’s a straightforward way to access financial support tailored to your personal and household needs.
FAQs
How much is the Universal Credit increase for couples in July 2025?
Couples over 25 will now receive £617.60 monthly, up from £578.82, offering an annual increase of £465.36.
Do I need to reapply to get the new rate?
No. The increase is automatically applied for current eligible claimants from July 1, 2025.
What extra support is included in Universal Credit?
You may receive additional payments for children, disabilities, housing, and childcare costs, depending on your circumstances.