If you’re a UK pensioner living on a low income, you could be missing out on hundreds of pounds every month through Pension Credit — one of the most underclaimed benefits in Britain. In 2025, more than 850,000 pensioners still aren’t claiming money they’re entitled to. This simple guide breaks down exactly what Pension Credit is, how much you can get, and how to claim it.
What Is Pension Credit?
Pension Credit is a benefit from the Department for Work and Pensions (DWP) designed to help older people with a low income. It’s not the same as the State Pension — it’s an extra payment that tops up your weekly income to a minimum level.
There are two main parts to Pension Credit:
Guarantee Credit – This tops up your weekly income to a minimum level set by the government.
Savings Credit – This gives you a small extra payment if you’ve made modest savings towards your retirement, such as a private or workplace pension.
Even if you only qualify for a small amount, claiming Pension Credit is still worth it — because it can unlock a whole range of other financial benefits.
How Much Can You Get in 2025?
In the 2025–26 financial year, the Guarantee Credit tops your income up to:
£218.15 a week if you’re single
£332.95 a week if you’re a couple
The Savings Credit is worth up to an extra:
£17.01 a week if you’re single
£19.04 a week if you’re a couple
Your exact amount depends on your income, savings, and circumstances, but even small top-ups can make a big difference over the year.
Extra Benefits Pension Credit Unlocks
One of the best things about claiming Pension Credit is that it opens the door to additional financial help, including:
Free TV licence if you’re over 75
Council Tax Reduction (sometimes cutting your bill to zero)
Free NHS dental treatment and glasses
Help with rent through Housing Benefit
Cold Weather Payments and Warm Home Discount
Help with heating costs and water bills
In other words, claiming Pension Credit can be worth far more than just the weekly top-up — it can help cover several essential living costs.
Who Can Claim Pension Credit?
You can claim Pension Credit if:
You live in England, Scotland, Wales or Northern Ireland
You’ve reached State Pension age
Your income is below the government’s weekly threshold
If you’re part of a couple, both of you must have reached State Pension age (or one of you must be getting Housing Benefit) to qualify.
How to Apply for Pension Credit
Applying for Pension Credit is quick and straightforward. You can claim in three ways:
Online – via the official GOV.UK Pension Credit page
By phone – call the Pension Credit claim line on 0800 99 1234
By post – request a paper application from the Pension Service
You’ll need your National Insurance number, income details, and bank information. Applications usually take around 20 minutes, and if approved, your claim can be backdated by up to three months.
Why You Should Check Today
Every year, over £1.7 billion in Pension Credit goes unclaimed — often because people assume they aren’t eligible. But even if you have savings, a small pension, or own your home, you might still qualify.
Checking your eligibility takes just a few minutes and could make a big difference to your weekly budget.
Pension Credit is one of the simplest ways to boost your income and gain access to valuable extra benefits. If you’re over State Pension age, take a few minutes today to check if you qualify — or help a friend or relative do the same.
Don’t miss out on money that’s rightfully yours — apply for Pension Credit today and make the most of your retirement.