Pension support

Pension Credit

Summary

Income-related benefit that tops up income for people over State Pension age.

People over State Pension age on low income may qualify for Guarantee Credit and in some cases Savings Credit.

People with income/capital above limits may not qualify.

Pension Credit includes Guarantee Credit and, for some older claimants, Savings Credit.

Means test	Yes, based on income and capital rules.
Age	Must be over State Pension age.
Components	Guarantee Credit; Savings Credit only for eligible older cohorts.
Passporting	Can unlock other help such as Housing Benefit or Council Tax support depending on area/rules.

Payment timing varies by benefit. Check the official source for the current payment schedule.

Apply by phone, online, or post through GOV.UK (or NI Direct in Northern Ireland).

Applying through an unofficial channel instead of GOV.UK, NI Direct, or the relevant local authority service.
Submitting incomplete identity, income, or household evidence.
Not reporting changes in income, work, address, caring, or household circumstances promptly.

Yes, it is tied to State Pension age rules.

It can open entitlement to other support, subject to separate rules.

Rules and administration can differ across England, Scotland, Wales, and Northern Ireland. Confirm route and criteria with the official source.

Last reviewed: 2026-05-05

General guidance only. Check official rules before applying.