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Universal Credit

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Universal Credit is a new, single payment for people in or out of work introduced by the Government. It is for working age people, including single parents. It replaces the following benefits and tax credits:

  • Income Support
  • Income Based Jobseekers Allowance
  • Income-related Employment and Support Allowance
  • Working Tax Credits
  • Child Tax Credits
  • Housing Benefit

Universal Credit is an in or out of work benefit. It has been introduced to give you the support you need to find and progress in work. We want you to be able to benefit from all the positives that work brings. Use this guide to find out more information. 

The payment will be paid directly into your bank, building society or credit union account.

For more information, you can go online to the official GOV.UK Universal Credit information page and Money Advice Service - Universal Credit

Alternatively, to find out further about what Universal Credit is about and how it helps to make work pay, the support that claimants will get and what will be expected in return, please watch this video

To see whether you are eligible for Universal Credit and how to claim it, you can use the Universal Credit Postcode Checker. 

Policy in Practice Benefit Calculator 

A new benefits calculator has been added to GOV.UK. It's called Policy in Practice and joins the existing ones from Turn2Us and EntitledTo. This one does things in a slightly more visual way and once completed, there is an earnings slider, so you can instantly see how Universal Credit will be affected if earnings change.

Council Tax Reduction Scheme

Universal Credit does not replace our local Council Tax Reduction Scheme. Ipswich Borough Council continues to administer Council Tax Reduction for all who live in the borough. To find out if you can get help with paying Council Tax, you must complete the application form located on our make a claim page.

Get ready for Universal Credit 

Your benefits and tax credits are changing, get ready for Universal Credit. 


Budgeting on a monthly basis is very important when you move to Universal Credit and may be different to how you currently spend your money. 

The Money Advice Service online budgeting calculator may help. 

What happens next? 

Get Online

You will need a bank, building society or credit union account to receive your payments. You will have to choose the right bank account that best fits your needs.

To register you must ensure you: 

  • Verify who you are by following the guidance at www.gov.uk/verify
  • Have set up a bank or building society account where Universal Credit payments can be made
  • Have an email address

If you do not have access to the internet there are a number of locations in Ipswich where you can get online. Find out where you can access the internet in Ipswich.

Don't have an account?

Setting up your own email account is easy and free. There are many email account providers, including Gmail.com, Yahoo.com and Outlook.com. Find out more information on how to set up an email account. 

Help to Claim Service

Help to Claim is a dedicated service from Citizens Advice. It’s free, independent, confidential and impartial and can support you in the early stages of your Universal Credit claim, from the application, through to your first payment. Find out how to get help applying for Universal Credit.

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Contact Details

Universal Credit
Post Handling Site B
WV99 1AJ

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0800 328 9344

Monday to Friday 8am - 6pm