The UK government has officially confirmed the second Cost of Living Payment of £300 for eligible individuals and families. This payment is part of the ongoing support package provided by the Department for Work and Pensions (DWP) to help people cope with rising living costs. If you’re wondering when you will receive this money, who qualifies, and what you need to do – don’t worry, we’ve explained everything here in simple language.
Why This £300 Payment Matters
In today’s time, when everything from groceries to gas bills is getting expensive, every extra bit of support helps. The government started giving Cost of Living Payments to help those who are struggling with inflation and high bills. This £300 is the second instalment of a bigger package worth £900 announced for 2025. The first payment of £301 was already sent earlier this year, and now the second one is confirmed.
When Will the Second £300 Payment Be Given?
According to DWP, the second £300 Cost of Living Payment will be given between 6th August and 20th August 2025. However, this window may vary depending on your benefit type or the bank you use. The payment will be made automatically, so there is no need to apply anywhere.
Here’s a simple breakdown of when you might receive it:
- Universal Credit recipients: Between 6th and 12th August
- Pension Credit and ESA: Between 13th and 17th August
- Tax Credits only (from HMRC): Around 20th August
If you do not receive the payment during these periods, you should wait a few more working days before contacting your benefit provider.
Who Is Eligible for the £300 Payment?
The £300 will not be given to everyone. Only certain people receiving specific benefits are eligible. You will qualify if you were receiving any of these benefits between 11 June 2025 and 9 July 2025 (the qualifying dates):
- 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 (from HMRC)
You won’t get this payment if you only receive:
- New-style JSA
- New-style ESA
- Contribution-based benefits
- Housing Benefit (unless claimed with another qualifying benefit)
Important Note: Even if your payment was temporarily reduced to zero (called a ‘nil award’) during the qualifying period, you may still be eligible depending on the reason. For example, if you had a deduction due to earnings or savings, you might still get the £300.
How Will the Payment Be Made?
This Cost of Living Payment will be sent directly to your bank account, just like your regular benefit payment. You will also see a special reference in your bank statement such as ‘DWP COL’ or ‘HMRC COLS’, depending on which department sends the money.
There is no need to apply, fill out a form, or call any helpline. If you are eligible, it will be paid automatically.
What If You Miss the Payment?
If you think you’re eligible but do not receive the payment by the end of August, you can report a missing Cost of Living Payment on the government website. But do this only after the full payment window has passed, and make sure your benefit details are correct.
You can also speak to your Jobcentre, local council, or Citizens Advice for further help.
Will There Be Another Payment?
Yes, after this £300 payment, a third and final instalment of £299 is also expected later this year—most likely between October and December 2025. This will complete the total £900 package announced by the UK government.
People receiving disability benefits also got an extra £150 earlier, and pensioners are expected to get Winter Fuel Payments too.
Why the UK Government Is Giving These Payments
These payments are part of the government’s plan to support low-income families, pensioners, and people with disabilities. The UK is facing high inflation, increased food prices, and energy bills. This support is meant to provide direct financial relief to those who are most affected.
The payments are tax-free, do not count as income, and won’t affect your benefits.
Final Words
The second £300 Cost of Living Payment is a much-needed support for many people across the UK. If you are eligible, make sure to check your account in August and keep an eye out for official messages. Remember, you don’t need to do anything extra to get this money. It’s automatic. Just ensure your benefit information is up to date and watch your bank account.
In these difficult times, every bit of help matters. So share this information with your friends, family, or anyone who might benefit from it. Let’s make sure no one misses out on their entitled support.
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