Big Universal Credit Boost for Couples in July 2025: What You Need to Know
Starting July 1, 2025, the UK government has introduced an increase to Universal Credit payments, providing extra support to help households cope with the ever-rising cost of living.
If you’re a couple where one or both partners are over 25, you’ll now be getting £617.60 a month instead of the previous £578.82.
This £38.78 increase may not seem like much at first glance, but it’s a vital lifeline for people in low-income households, carers, part-time workers, or those struggling with rent or childcare costs. For many, this could be the little bit of extra financial relief they’ve been waiting for.
Quick Overview of the Change:
| Aspect | Details |
|---|---|
| New Monthly Rate | £617.60 (for couples aged 25+) |
| Previous Rate | £578.82 |
| Effective Date | July 1, 2025 |
| Eligibility | UK residents aged 18+, low income, savings under £16,000 |
| Application | Online via gov.uk |
| Payment Frequency | Monthly |
| Extra Support | Childcare, housing, disability, dependents |
So, What Exactly is Universal Credit?
In a nutshell, Universal Credit is a monthly payment designed to help those with low or no income. It’s a consolidation of six previous benefits into one simple 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)
The amount you get depends on your income, your household composition, health conditions, and housing costs. So, as your life changes, your Universal Credit payment changes too.
What’s Changed with the July 2025 Boost?
The most notable change here is the rise in payments for couples aged 25 and over. The monthly allowance has increased from £578.82 to £617.60, which reflects the current inflation rates and the ongoing rise in living costs.
If you’re already claiming Universal Credit and you meet the criteria, you don’t need to do anything—this increase will automatically apply in your next payment cycle.
Who Qualifies for the New Rate?
To get the new, higher payment, you need to meet a few basic criteria:
- Be 18 or older (though some people aged 16-17 might qualify)
- Live in the UK
- Have less than £16,000 in savings or investments
- Be on a low income or unemployed
There are also some special circumstances where you might qualify, such as if:
- You’re responsible for children or dependents
- You’re a carer or have a health condition or disability
- You’re paying for childcare while working
- You have housing costs (like rent or a mortgage) to cover
How to Apply for Universal Credit
If you think you qualify, here’s how to get started:
- Check Eligibility
Use the online eligibility checker or ask your local Jobcentre Plus. - Gather Documents
You’ll need things like your ID, income statements, housing costs, childcare bills, and bank details. - Apply Online
Head over to gov.uk, create an account, and submit your application within 28 days. - Verify Your Identity
Do this online, or visit your local office if necessary. - Attend an Interview
You’ll meet with a Work Coach who will help you set up your Claimant Commitment—basically, what you need to do to keep getting the support. - Wait for a Decision
You should hear back within a few weeks, and if needed, you can ask for an advance if your situation is urgent.
What Extra Help Is Available?
Universal Credit isn’t just a one-size-fits-all payment. It can include additional support depending on your circumstances:
- Child Elements
Extra payments for each child in your care, with higher payments for children with disabilities. - Disability and Health Support
More financial help if you have long-term health conditions or limited ability to work. - Housing Costs
Assistance with rent or, in some cases, mortgage interest. - Childcare Support
Up to 85% of your eligible childcare expenses reimbursed if you’re working.
These extra elements are automatically added to your payment if you qualify.
Remember to Keep Your Details Updated
To avoid delays or potential overpayments, make sure to report any changes in your circumstances. Things like:
- Starting a new job or having a change in income
- Moving to a new address
- Having a baby
- Changes in your relationship status
- Updates on medical conditions
Failing to update your details might result in overpayments, which you’ll have to pay back.
Final Thoughts on the July 2025 Universal Credit Increase
The boost from £578.82 to £617.60 is a much-needed adjustment, especially for families who are already struggling with rising costs. If you meet the criteria, make sure your application is up-to-date or apply now to benefit from this financial support.
FAQs
- How much is the Universal Credit increase for couples in July 2025?
The new monthly rate for couples over 25 is £617.60, which is an increase of £38.78 from the previous £578.82. That’s an additional £465.36 per year. - Do I need to reapply to get the new rate?
No. If you’re already eligible, the increase will automatically apply from July 1, 2025. - What extra support is available through Universal Credit?
You could receive additional support for children, disabilities, housing, and childcare costs, depending on your situation.
