{"id":117479,"date":"2026-02-12T13:15:00","date_gmt":"2026-02-12T13:15:00","guid":{"rendered":"https:\/\/en.econostrum.info\/uk\/?p=117479"},"modified":"2026-02-12T12:44:46","modified_gmt":"2026-02-12T12:44:46","slug":"pension-credit-dwp-financial-checks","status":"publish","type":"post","link":"https:\/\/en.econostrum.info\/uk\/pension-credit-dwp-financial-checks\/","title":{"rendered":"Pension Credit Recipients Warned as DWP Widens Financial Checks"},"content":{"rendered":"\n

The UK government is expanding its scrutiny of benefit claimants\u2019 bank accounts. The move will see new anti-fraud powers, first associated with Universal Credit, applied to Pension Credit recipients.<\/p>\n\n\n\n

The decision has drawn political and campaign-level attention, particularly over the potential impact on older people. Ministers say the aim is to curb fraud and overpayments, yet critics warn of unintended consequences for pensioners.<\/p>\n\n\n\n

The Department for Work and Pensions (DWP<\/em><\/strong>) is preparing to \u201cextend\u201d enhanced bank account checks to those claiming Pension Credit<\/em>, after initially focusing on Universal Credit<\/em>. According to the Telegraph<\/em><\/strong>, campaigners fear that elderly claimants could face lengthy appeals if they are wrongly targeted.<\/p>\n\n\n\n

Scrutiny Widens beyond Universal Credit<\/strong><\/h2>\n\n\n\n

The expanded powers would allow the DWP<\/em><\/strong> to require banks to share specific information as part of fraud investigations. According to the Telegraph, these measures were first introduced in relation to Universal Credit and are now set to apply to Pension Credit as well.<\/p>\n\n\n\n

Sir Geoffrey Clifton-Brown<\/em><\/strong>, chair of the Public Accounts Committee<\/a><\/em>, has urged caution. He told the Telegraph that the department\u2019s new powers to access bank data \u201cshould have the risk of overreach mitigated against from the outset<\/em>\u201d. He added that the committee would monitor the department closely if the approach were used unfairly against elderly pensioners.<\/p>\n\n\n\n

Official figures illustrate the financial backdrop. Overpayments of Pension Credit<\/a> were estimated at \u00a3610<\/strong> million in the last financial year, up from \u00a3530<\/strong> million the previous year. In contrast, overpayments for Universal Credit reached \u00a36.3<\/strong> billion last year, down slightly from \u00a36.4<\/strong> billion the year before, according to official statistics.<\/p>\n\n\n\n

Sir Geoffrey noted that Pension Credit has the lowest level of error and fraud among benefits. He stressed that the department must be \u201cvery careful\u201d in how it conducts targeted reviews, particularly given the vulnerability of many claimants.<\/p>\n\n\n\n

Campaigners Warn of Chilling Effect on Take-up<\/strong><\/h2>\n\n\n\n

Advocacy groups for older people have voiced concern about the broader consequences of the policy. Dennis Reed<\/em><\/strong>, director of Silver Voices<\/a><\/em>, described the review of Pension Credit claims as a \u201cblunderbuss approach which is not justified<\/em>\u201d, according to the Telegraph.<\/p>\n\n\n\n

Reed warned that the prospect of financial scrutiny could deter eligible pensioners from applying. \u201cWhat worries me is that people will be put off applying for pension credit<\/em>,\u201d he said. He pointed out that current take-up stands at around two-thirds of those entitled to receive it.<\/p>\n\n\n\n

That statistic is significant in itself. Pension Credit is designed to top up the incomes of the poorest pensioners, and under-claiming has long been a concern among charities and parliamentary committees. Reed added that many retirees would be anxious at the thought of their finances being \u201ctrawled over<\/em>\u201d.<\/p>\n\n\n\n

The government\u2019s objective is to reduce fraud and recover public funds. The scale of overpayments, particularly within Universal Credit, provides the context for tougher oversight. Yet Pension Credit operates in a different demographic and risk profile, something critics argue should shape enforcement.<\/p>\n","protected":false},"excerpt":{"rendered":"

The DWP is extending its bank account monitoring powers to Pension Credit recipients. Campaigners warn some pensioners could face stressful reviews or appeals. Officials say the move targets fraud, but critics fear unintended consequences for older claimants.<\/p>\n","protected":false},"author":10,"featured_media":117482,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-117479","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33","no-featured-image-padding"],"_links":{"self":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/117479","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/comments?post=117479"}],"version-history":[{"count":3,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/117479\/revisions"}],"predecessor-version":[{"id":117483,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/posts\/117479\/revisions\/117483"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/media\/117482"}],"wp:attachment":[{"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/media?parent=117479"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/categories?post=117479"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/en.econostrum.info\/uk\/wp-json\/wp\/v2\/tags?post=117479"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}