The rising cost of living in the UK has put financial strain on many households. To provide relief, the UK government introduced Cost of Living Payments, offering financial support to eligible individuals. A recent announcement on September 20, 2025, confirmed the payment dates for the second instalment.
£300 UK Second Cost of Living Payment
| Payment Type | Amount (£) | Payment Period |
|---|---|---|
| First Payment | 301 | 25 Apr – 17 May 2025 |
| Second Payment | 300 | 31 Oct – 19 Nov 2025 |
| Third Payment | 299 | By Spring 2025 |
| Disability Payment | 150 | By 1 April 2025 |
Second Cost of Living Payment Dates
The second instalment of the Cost of Living Payment will be £300, distributed between October 31 and November 19, 2025. This follows the first instalment of £301, which was paid between April 25 and May 17.
Key Points:
- Payments will be sent directly to eligible recipients.
- No application is required.
- If someone receives both working and child tax credits, they will only receive a payment for child tax credit.
- If a person qualifies for tax credits and low-income benefits, the DWP will disburse the payment instead of HMRC.
Eligibility for Cost of Living Payment
To qualify for the Cost of Living Payment, individuals must be receiving at least one of the following benefits:
- Universal Credit
- Working Tax Credit
- Child Tax Credit
- Income Support
- Pension Credit
- Employment and Support Allowance (ESA)
- Jobseeker’s Allowance (JSA)
The UK Government’s official website provides further details regarding eligibility periods and assessment criteria.
Important Considerations
- Payments are non-taxable and will not impact existing benefits or tax credits.
- If a person is deemed ineligible after receiving a payment, they may be required to repay it.
- The final instalment of £299 will be disbursed by Spring 2025.
Reporting Missing Payments
While payments are automatic, some individuals may not receive their instalments due to eligibility issues. If someone does not receive the second payment of £300, they can report it as missing from March 20, 2026.
Before reporting, check:
- Bank details for any deposit.
- Eligibility criteria on the government portal.
Disability Cost of Living Payment
Individuals receiving disability-related benefits may be eligible for an additional £150 Cost of Living Payment. This includes those receiving:
- Attendance Allowance
- Armed Forces Independence Payment
- Constant Attendance Allowance
If someone receives benefits from both DWP and the Ministry of Defence, payments will be issued only by DWP.
FAQs
Who qualifies for the £300 second Cost of Living Payment?
Anyone receiving benefits such as Universal Credit, Working Tax Credit, Pension Credit, or similar low-income support programs is eligible.
Do I need to apply for the Cost of Living Payment?
No, payments are automatic for eligible individuals.
Will the Cost of Living Payment affect my benefits?
No, these payments will not impact tax credits or other benefits.
What if I don’t receive my payment?
You can report a missing payment after March 20, 2026, but ensure you verify your bank details and eligibility first.
Is the Cost of Living Payment taxable?
No, it is a non-taxable payment.
The UK government will continue to update details regarding these payments, and more information will be available on the official gov.uk website.
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