Get help with savings if you’re on a low income (Help to Save)

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Eligibility

You can open a Help to Save account if you’re receiving:

  • Working Tax Credit
  • Child Tax Credit – and you’re entitled to Working Tax Credit
  • Universal Credit and you (with your partner if it’s a joint claim) had take-home pay of £793.17 or more in your last monthly assessment period

Your take-home pay is your pay after deductions (such as tax or National Insurance).

If you get payments as a couple, you and your partner can apply for your own Help to Save accounts. You need to apply separately.

You also need to be living in the UK. If you live overseas, you can apply for an account if you’re either a:

  • Crown servant or their spouse or civil partner
  • member of the British armed forces or their spouse or civil partner

If you stop claiming benefits

You can keep using your Help to Save account.