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How to Get Ready for Universal Credit

There are things you can do beforehand to make sure you’re ready for Universal Credit when it happens.
Get ready for Universal Credit video


Make sure you have an account that accepts automated payments

To be able to receive your Universal Credit payments you’ll need to have a bank, building society Post Office or Credit Union account. If you have an account already, check that it’s OK for receiving automated payments.

If you have a partner you’ll get a single payment for both of you, so think about whether you want to have it paid into a joint account.

If you qualify for help with your rent, this will start being paid to you direct and you’ll need to pay your landlord yourself.
Check that your account lets you set up regular payments for things like rent and other bills.

If it doesn’t, you might want to switch to one that does.

Click here for information on opening a bank account:

Start thinking about how you’ll manage on a monthly budget

Because Universal Credit is paid monthly, you’ll probably have to make changes to the way you budget, especially when you’re moving from the old to the new system.

You’ll need to work out very carefully how much money you have coming in each month and what you need to spend it on. That way you can be sure you’ll get through to the end of the month without running out.

Click here to go to our budget planner - MAS website

Consider how you will get online

Most people will make their Universal Credit claim and manage their payments online. Help and support will be available if you need it.

If you don’t have access to the internet, contact one of our Welfare Reform Officers and  they will tell you where you can get online. Or pop into your local library. Most of them have computers which you can use free of charge.

And if you’re worried your IT skills aren’t up to scratch, our Welfare Reform Officers can help you find a course.


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Registered as a Social Landlord - Hal 65  |  Recognised Scottish Charity - SC  020981  |  Care Commission - CS 2004061668

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