Between 31st October and 19th November 2023, millions of low-income households will receive a £300 cost of living payment from the UK government to help with rising bills this winter.

This is the second instalment of three payments, which will total 0.

Who will receive the payments?

Around eight million people will receive the payment over the next few weeks.

To be eligible, you must be on means-tested benefits, including universal credit, pension credit or tax credits.

I think I’m eligible – how do I receive the payment?

If you meet the criteria to receive the payment, you don’t need to do anything. Between 31st October and 19th November, the money will be paid straight into your bank account that you use to receive benefit payments.

The reference on the payment will be your national insurance number, followed by “DWP COL” or “HMRC COLS”.

Please be wary of any messages or emails regarding this payment requesting personal information, as it may be a scam – the government have all of the relevant information they need, and you don’t need to do anything to receive the payment.

If you’re eligible, you should’ve already received the first instalment of these payments in the first half of 2023 and will receive a final instalment in Spring 2024.

Why are people receiving the payments?

These payments are being made to help low-income households address the challenges of the cost of living crisis.

The rise in the cost of bills and essentials is causing significant difficulty for many, especially during the winter period.

Get in touch

If you’re struggling with debts, call us on 0800 072 1206. We’re open from 8am – 8pm Monday to Friday, and 9am – 3pm on Saturdays. Alternatively, you can visit our advice page to speak to us via live chat or for more information.