In today’s time when inflation is constantly increasing, everyday needs like electricity, health services and ration are becoming out of reach of common people. In such a situation, the UK government has announced an important relief scheme. In July 2025, DWP (Department for Work and Pensions) will provide an additional cost of living payment of £605 to those who already come under certain special benefit schemes.
This payment is a big relief for those citizens who have been most affected by this economic crisis, such as low-income families, the elderly, disabled people and people looking for jobs.
What is the purpose of this additional payment?
This Extra Cost of Living Payment 2025 being given by the government is part of a long-term strategy, under which assistance has already been provided in several phases. In previous years, the government had given a total of £900 in three phases. This new £605 payment is a continuation of the same scheme, which is meant to help those who are still struggling with financial difficulties.
This time the government is giving this money as a one-time top-up so that people can immediately manage their daily expenses to some extent. The biggest thing is that no one needs to apply separately for this. If you are eligible, this amount will be deposited directly into your account.
Who are eligible for this payment?
Some conditions have been set to get this relief amount. This payment will be given to those people who are already taking benefits under the schemes given below:
- Universal Credit
- Personal Independence Payment (PIP)
- Disability Living Allowance (DLA)
- Income Support
- Pension Credit
Jobseeker’s Allowance (JSA)
If you are a beneficiary of any of these schemes, then you are likely to get this payment. The DWP has also said that if an eligible person does not receive the payment, first contact your bank and then report through the official website of DWP.
When and how will the payment be received in July?
This £605 payment will be made in July 2025. However, the exact date may vary for some people due to banking processes, holidays and other technical reasons. This payment will be made through BACS (Bankers’ Automated Clearing Services), which is part of the government and large-scale payment process.
It is worth noting that this payment is not linked to any of your existing benefits. It is separate and independent and neither any application has to be filled nor any documents have to be submitted for this.
Who will get the most help?
This scheme of the government has been brought especially for those who are already financially weak – such as older people, disabled people, or people who cannot work due to health reasons. For such people, this payment is no less than a life-saving relief.
This money can play a big role in essential things like electricity bill, house rent, food items and transport expenses.
While the assistance given in 2023 and 2024 was to deal with the wave of inflation, this new payment has been brought to reduce the impact of persistent inflation.
Easy process – no application
The government has made this process so simple that no one has to do any additional paperwork. Neither any online application has to be filled, nor any office has to be visited. This amount will be automatically deposited in the bank accounts of eligible people.
This payment will not affect your existing benefits in any way. For example, even if you are taking Universal Credit or Pension Credit, you will still get this amount separately and it will not reduce your other benefits.
Government’s responsibility and future plans
Through this payment, the government has also given the message that it understands the problems of the citizens of the country and will take such steps in future as well if needed. DWP and other departments are constantly monitoring the inflation rate and the financial condition of the people.
If the need is felt in the future, the government can also start more payments or new schemes.
Beware of fraud
The government has urged all beneficiaries to get information only from the official website of DWP or trusted government sources. Beware of any kind of fake call, email or website, which can try to cheat you by giving wrong information.
Conclusion
This additional cost of living payment of £605 has been started by the government at a time when millions of people in the country are struggling with the economic crisis. This payment will provide direct relief to those who need it the most. The government hopes that this payment will not only help in reducing the expenses of the people, but will also give them mental and financial stability. In future also, such schemes of the government will continue to play an important role in providing security to the most vulnerable sections of the society. All you need is that you keep timely information and trust the government resources.
FAQs
What is the £605 Cost of Living Boost?
Do I need to apply to receive it?
No. There’s no application required. If you’re eligible, the Department for Work and Pensions (DWP) will send the money in July 2025 automatically using your current payment method .
When exactly will I get the payment?
How is this different from earlier Cost of Living Payments?
What if I don’t receive it?
First, ensure your bank details are up to date with DWP. If you believe you’re eligible and it hasn’t arrived by the end of July, contact DWP or check your bank account. Official channels (not cold callers) are the correct route .
