The Department for Work and Pensions (DWP) has confirmed details for the October 2025 Cost of Living Payment, aimed at helping low-income households cope with inflation and rising utility bills.
This payment continues the UK government’s strategy to support vulnerable groups during economic hardship.
The payment window is expected between October 7 and October 18, 2025, with automatic transfers to eligible recipients’ bank accounts. Here’s everything you need to know, from who qualifies to how to protect yourself from scams.
Who Qualifies for the October 2025 DWP Cost of Living Payment?
To be eligible for the autumn 2025 cost of living payment, you must have received one of the following qualifying benefits during the expected eligibility window: August 19 – September 15, 2025:
- Universal Credit
- Pension Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Working Tax Credit
- Child Tax Credit
Important: Contribution-based JSA or ESA does not qualify, unless paired with income-based elements.
Payment Schedule for October 2025
The DWP has streamlined the payment system to ensure most recipients receive their cost of living payment automatically via bank transfer. Here’s a breakdown of expected timelines:
| Benefit Type | Expected Payment Window |
|---|---|
| Universal Credit | Oct 7 – Oct 12, 2025 |
| Pension Credit | Oct 7 – Oct 18, 2025 |
| Income-based ESA/JSA | Oct 8 – Oct 14, 2025 |
| Tax Credits (via HMRC) | Oct 11 – Oct 18, 2025 |
Payments will appear as “DWP COL” in your bank statement, followed by your National Insurance number. If you haven’t received the payment by October 21, you should wait 5 working days after your expected date before contacting DWP.
How to Protect Yourself from Scams
The DWP has issued strong warnings about fraudulent messages and scam calls pretending to be official communication. Keep these tips in mind:
- The DWP will never call or text asking for bank details.
- Official payments will appear as “DWP COL” in your bank account.
- Use your Universal Credit journal or GOV.UK to verify any message.
If you’re unsure about any communication, contact DWP directly through verified sources only.
Additional Winter Support to Follow
The October payment is part of a wider seasonal package. Households may also be eligible for:
- Winter Fuel Payments
- Cold Weather Payments
- Household Support Fund Grants via local councils
- Energy Bill Discounts or rebates in late 2025
This layered approach ensures support for both pensioners and working families as colder months drive energy consumption up.
The DWP Cost of Living Payment for October 2025 offers vital relief for households battling with rising expenses.
With payments ranging across two weeks in October and no application process required, the system aims to be fast, automatic, and stress-free.
If you’re receiving a qualifying benefit, be sure your details are updated to avoid delays. As winter nears, this instalment provides essential breathing room to millions across the UK.
FAQs
When will I receive my DWP Cost of Living Payment in October 2025?
Payments are expected between October 7 and October 18, 2025, depending on the type of benefit you receive.
How do I know if I’m eligible for the October 2025 payment?
You must be receiving one of the qualifying benefits between August 19 and September 15, 2025.
Do I need to apply for this payment?
No, eligible payments are automatically deposited—there’s no need to apply. Just ensure your benefit information is up to date.