With the cost of living still putting pressure on millions of UK households, the Department for Work and Pensions (DWP) has confirmed the next round of Cost of Living Payments for October 2025. These payments are aimed at helping low-income families, pensioners, and individuals on means-tested benefits cope with rising energy, food, and housing costs.
If you’re wondering whether you qualify, when the payments are coming, and how much you’ll receive, this article has everything you need to know.
What Is The Cost of Living Payment?
The Cost of Living Payment is a tax-free financial support package provided by the UK Government. It was introduced in 2022 to help struggling households manage inflation and the ongoing financial crisis. The payment is non-repayable and does not affect any other benefits you receive.
It is separate from regular benefit payments and is given in multiple instalments throughout the year, depending on your circumstances and eligibility. In October 2025, another round of payments will be distributed to millions.
Who Is Eligible For The October 2025 Payment?
To receive the October 2025 Cost of Living Payment, you must be receiving at least one of the following means-tested benefits during the qualifying period (yet to be officially confirmed but expected to be August–September 2025):
- Universal Credit
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Pension Credit
- Working Tax Credit or Child Tax Credit (administered by HMRC)
Note that contribution-based benefits like Contribution-based JSA or ESA do not qualify.
Your eligibility depends on whether you received any payment from the above benefits during the qualifying week, which will be published by the DWP closer to the payment dates.
Payment Amount Expected In October 2025
Although the DWP has not officially confirmed the exact amount for the October 2025 payment, it is expected to be £300, similar to previous autumn instalments under the 2023–2024 Cost of Living Support Plan.
This £300 will be tax-free, paid automatically, and will not count towards the benefit cap or impact any existing benefits you receive.
Full Payment Schedule for 2025
Here is the expected payment schedule for all Cost of Living Payments in 2025 (subject to DWP confirmation):
- Spring 2025: £301 (Paid in March–April)
- Summer 2025: £299 (Paid in June–July)
- Autumn 2025: £300 (Expected in October)
- Winter 2025/26: £150 for eligible disabled claimants and £300 Winter Fuel Payment for pensioners
Each payment has its own qualifying period and may be delivered slightly earlier or later based on your benefit type and payment provider.
When Will October 2025 Payments Be Made?
The October 2025 Cost of Living Payment is expected to be issued between 7 October and 21 October 2025. These dates are based on historical DWP payment windows, though official confirmation will be released closer to the time.
The payment is made automatically, so there is no need to apply. It will appear in your bank account with a reference that typically includes your National Insurance number and “DWP COL.”
How Will You Receive The Payment?
If you’re eligible, the Cost of Living Payment will be paid using the same method as your usual benefit payments. For instance, if your Universal Credit is paid directly into your bank account, your Cost of Living Payment will be deposited the same way.
There is no application form for this payment, and you do not need to contact DWP unless you believe you’re eligible but haven’t received it after the payment window ends.
What If You Receive Tax Credits?
If you’re only receiving Working Tax Credit or Child Tax Credit, your Cost of Living Payment will come from HMRC, not the DWP. These payments are usually made slightly later, about 7–10 days after DWP issues theirs.
You will still get the full amount, but your payment reference may look slightly different, usually beginning with “HMRC COLS.”
Will There Be More Payments After October 2025?
Yes, there is expected to be at least one more round of payments later in the winter. The government typically provides a £150 Disability Cost of Living Payment and an additional Winter Fuel Payment of up to £300 for pensioners during the colder months.
These additional supports are separate from the main £300 payment and may have different eligibility requirements.
Common Reasons Why You Might Not Receive The Payment
Here are some common reasons why eligible individuals sometimes miss out:
- You were not receiving a qualifying benefit during the required eligibility week
- Your benefit claim was processed after the qualifying period
- You only receive contribution-based benefits (which are not eligible)
- Your bank account details are outdated or incorrect
- You receive Tax Credits and your payment is delayed by HMRC
If none of these apply and you still haven’t received payment by end of October 2025, you should contact DWP or HMRC depending on the benefit you receive.
What To Do If You Think You Missed The Payment
DWP typically opens a “Missing Payment” portal after the payment window closes. This allows eligible claimants to report if they haven’t received their Cost of Living Payment. Be sure to wait until the full payment window ends before raising a concern.
You can check the official GOV.UK website or contact the Universal Credit helpline for assistance.
How To Prepare Now
To ensure you don’t miss the October 2025 payment, here are a few quick steps:
- Make sure your Universal Credit or other benefit claims are active and accurate
- Keep your bank details updated in your DWP or HMRC account
- Regularly check your benefit portal for any updates about qualifying periods
- Follow official channels like GOV.UK, DWP social media, and major news platforms
Why These Payments Matter
For many low-income families, disabled individuals, and pensioners, these payments are a lifeline. They help cover basic needs like groceries, heating bills, rent, and school supplies. The October 2025 payment will arrive just as colder weather begins, offering crucial financial relief to vulnerable groups.
Will This Support Continue in 2026?
As of now, the government has not committed to continuing Cost of Living Payments into 2026. It will largely depend on inflation levels, economic performance, and political decisions in the next budget. However, if prices remain high, further support packages may be introduced.
Final Thoughts
The DWP Cost of Living Payment in October 2025 is a vital financial boost for millions of UK residents facing rising living costs. Whether you’re on Universal Credit, Pension Credit, or Tax Credits, it’s important to stay informed about your eligibility, payment dates, and how to ensure you receive what you’re entitled to.
Make sure your details are accurate and your benefits are up-to-date. Even a small mistake could delay this crucial help. Stay tuned to official updates and use this support to manage the challenges of inflation and daily expenses.
