State pension and universal credit payments to follow regular schedule, as no bank holidays fall in July. Additional support still available amid rising living costs and inflation pressure.
As the summer begins, millions of UK residents receiving state support and pension payments can expect disbursements to continue without disruption in July. With no public holidays this month, all benefit schedules will proceed as normal.
This regularity offers some reassurance amid persistent financial stress across the country. Despite uprated benefits in April and falling energy bills, living costs remain high for many, and several temporary support schemes remain in place to assist low-income households.
Payments Scheduled Without Interruption for July Recipients
Benefit and state pension payments will go ahead on their usual dates in July, according to the UK government.
The following types of support are unaffected and will be paid as normal in July:
- Universal Credit
- Pension Credit
- Child Benefit
- Disability Living Allowance
- Personal Independence Payment
- Attendance Allowance
- Carer’s Allowance
- Employment Support Allowance
- Income Support
- Jobseeker’s Allowance
For those receiving the basic state pension, payment days depend on the final two digits of the recipient’s National Insurance number:
- 00–19: Monday
- 20–39: Tuesday
- 40–59: Wednesday
- 60–79: Thursday
- 80–99: Friday
All benefits were increased in April 2025 by 1.7 per cent, in line with inflation from September 2024.
According to the Department for Work and Pensions (DWP), this included all working-age benefits, with the state pension seeing a 4.1 per cent rise due to the triple lock system. These adjustments aim to cushion households against ongoing financial pressures.
The DWP also continues the process of migrating claimants from so-called legacy benefits such as Tax Credits and Housing Benefit to Universal Credit, with full transition expected by January 2026.
Cost of Living Support Remains in Place as Inflation Persists
Despite modest wage growth and a reduction in Ofgem’s energy price cap (now £1,720 from July to September), many households continue to rely on additional support measures. According to the Joseph Rowntree Foundation, 21 per cent of UK residents were living in poverty in 2022–2023.
A variety of supplementary schemes remain active. These include the Household Support Fund, administered by local councils, and Discretionary Housing Payments available for those receiving the housing element of Universal Credit.
The Budgeting Advance Loan—an interest-free loan for emergency costs—is also available, with repayment capped at 15 per cent of the Universal Credit standard allowance from April 2025, down from 25 per cent.
Charitable assistance also plays a role. Organisations such as Turn2us provide access to targeted grants, while major energy suppliers continue to offer hardship funds. Furthermore, council tax reductions and free childcare provisions are expanding, particularly for working parents with children under five.
