The Department for Work and Pensions (DWP) provides Pension Credit to help older people in the UK who have a low income. In 2025, eligible pensioners could receive up to £346.80 each week. This extra support is meant to ease financial pressure during retirement, but many people who qualify are still not claiming it.
Pension Credit includes two parts Guarantee Credit and Savings Credit. Guarantee Credit tops up your income if it falls below a certain amount. In 2025, this is £218.15 per week for single pensioners and £332.95 for couples. Savings Credit gives extra money to those who have saved a little for retirement. Depending on your situation, your total weekly benefit could add up to £346 or more.
DWP £346 Pension Credit 2025
To qualify, you or your partner must be over the State Pension age. The amount you receive depends on your income, savings, and whether you live alone or with a partner. Even if you have some savings, you may still be eligible for partial payments. Pension Credit can also give you access to extra support, such as help with energy costs, free NHS dental treatment, and a free TV licence if you’re over 75.
Applying for Pension Credit is easy and can be done online, by phone, or by post. It’s a good idea to check if you qualify, especially as living costs continue to rise. This extra support could make a big difference to your weekly budget.
DWP £346 Weekly Pension Credit Overview
| Department | Department for Work and Pensions (DWP) |
| Program Name | DWP £346 Pension Credit 2025 |
| Country | UK |
| Amount | £346 |
| Beneficiaries | Eligible Pensioners |
| Payment Type | Weekly |
| Application Process | Online, by phone & by post |
| Category | Government Aid |
| Official Website | https://www.gov.uk/ |
Who Can Claim the DWP £346 Pension Credit
In the UK, many older people find it hard to manage their living costs even after getting the State Pension. To help with this, the government provides Pension Credit extra money for pensioners on a low income. This support is handled by the Department for Work and Pensions (DWP) and is separate from the State Pension.
In 2025, if you’re single and earn less than £227 a week, or part of a couple earning under £346 a week, you might be able to get Pension Credit.
- You must live in England, Scotland, or Wales
- You or your partner must be at State Pension age
- Your weekly income must be below the income limit
- If you have more than £10,000 in savings, it will affect how much you get. For every £500 over £10,000, £1 is added to your income in the calculation
If you meet these rules, you may be able to receive weekly payments to help with daily living costs.
How Much Can You Get from Pension Credit
| Category | Weekly Amount |
|---|---|
| Single Person (Guarantee Credit) | £227.10 |
| Couple (Guarantee Credit) | £346.60 |
| Savings Credit for Single | £17.01 |
| Savings Credit for Couple | £19.04 |
| Extra for Severe Disability | £82.90 |
| Extra for Carers | £46.40 |
| Child Addition (per child) | £61.88 |
Breakdown of Guarantee Credit and Savings Credit
| Criteria | Guarantee Credit | Savings Credit |
|---|---|---|
| Eligibility Age | Available to those above State Pension age | Only for individuals who reached pension age before 6 April 2016 |
| Income Basis | Based on low or limited income | Based on modest savings or pension income |
| Weekly Payment (2025) | Up to £218.15 (single) / £332.95 (couple) | Up to £17.01 (single) / £19.04 (couple) |
| Impact of Savings | Savings over £10,000 may reduce entitlement | Calculated directly based on retirement savings or investments |
| Extra Add-Ons | Yes may include amounts for carers, disabilities, or dependents | No additional components included |
How to Apply for DWP £346 Pension Credit
Applying for the DWP £346 Weekly Pension Credit in 2025 is simple and can be done in a way that suits you best. You have three options to submit your application online, by phone, or through the post.
- Online: Visit the official gov.uk website and fill out the Pension Credit application form digitally.
- By Phone: Contact the Pension Credit helpline at 0800 99 1234, available Monday to Friday, between 8am and 6pm.
- By Post: Download and print the application form from the gov.uk website. Once completed, mail it to the Freepost address listed on the form.
FAQs
How can I apply for DWP £346 Pension Credit?
You can submit your application online, over the phone, or by post via the official gov.uk website.
How is the DWP £346 Pension Credit amount calculated?
The total payment may include Guarantee Credit and Savings Credit, based on your income, savings, and personal situation.
Is the £346 Pension Credit taxable?
No, the DWP £346 Pension Credit does not count as taxable income.
