The UK government is rolling out the DWP £299 payment second instalment in July 2025, marking the continuation of its support initiative aimed at helping low-income households combat rising living costs. This payout is part of the broader cost of living assistance package, designed specifically to ease financial pressure for those on certain benefits.
Managed by the Department for Work and Pensions (DWP), the £299 payment will be the second in a series of cost-of-living instalments scheduled for the 2025 fiscal year. This instalment is automatically disbursed to eligible recipients, ensuring seamless assistance without the need for manual applications.
Who Qualifies for the July 2025 Payout?
Eligibility for the July 2025 payout is based on the type of benefits you receive and the qualifying period confirmed by the DWP. To be eligible for the DWP £299 payment second instalment, claimants must have been receiving one or more of the following means-tested benefits during the designated window:
- Universal Credit
- Pension Credit
- Income Support
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Working Tax Credit
- Child Tax Credit
The exact qualifying dates are expected to be in late May to early June 2025. The DWP will release a formal notification confirming this timeframe. It’s important to note that recipients of only New Style ESA or Contribution-based JSA will not qualify unless they also receive a means-tested benefit.
Expected Bank Deposit Status and Timeline
As with prior cost of living payments, the July 2025 deposit will be made directly into recipients’ bank accounts. The government has committed to ensuring that these payments are issued in a secure and timely fashion, minimizing delays and errors.
Most eligible individuals can expect to see their bank deposit status updated within the second and third weeks of July. If you don’t see the payment by the end of July, you may need to contact the DWP or check your benefit statement through your online Universal Credit account.
Here’s a quick reference for the deposit timeline:
| Payment Detail | Date / Status |
|---|---|
| Payment Amount | £299 |
| Payment Type | Second Cost of Living Instalment |
| Eligibility Period | Late May to Early June 2025 |
| Payment Window | 8 July – 22 July 2025 |
| Bank Deposit Status Update Deadline | By 29 July 2025 |
Why the DWP £299 Payment Second Instalment Matters
This payment provides critical financial relief during a time when inflation and household expenses remain high. The July 2025 payout comes at a crucial moment when many families face back-to-school costs and increasing energy bills. With summer expenses mounting, this financial injection offers breathing space for vulnerable households.
The DWP has reiterated its commitment to transparency and efficiency, stating that all eligible recipients will receive their payments automatically, without needing to apply. This system aims to reduce administrative burdens and ensure that those in need are prioritized.
Stay Informed and Secure Your Entitlement
While the payment is automatic, claimants are encouraged to verify their eligibility and stay informed through official DWP updates. Any changes in benefit status or banking details should be promptly reported to avoid delays. For those relying on Tax Credits, HMRC will handle the payment instead of DWP, but the amount and timeline remain consistent.
Proactively checking your bank deposit status after mid-July is essential. If issues arise, contacting the DWP helpline or visiting your local Jobcentre Plus can expedite the resolution process.
FAQs
What is the exact amount for the second cost of living payment?
The second cost of living instalment scheduled for July 2025 is a fixed £299 payment.
Who is not eligible for the July 2025 payout?
Those who receive only New Style ESA, Contribution-based JSA, or other non-means-tested benefits are not eligible unless they also claim a qualifying benefit.
When will the bank deposit status be updated?
Eligible recipients should expect their bank deposit status to reflect the payment by 29 July 2025. Most payments will be processed between 8 and 22 July.
Do I need to apply for the DWP £299 payment second instalment?
No application is needed. Payments are issued automatically to those who meet the criteria during the eligibility window.
Will HMRC also issue the payment?
Yes, for those on Tax Credits only, HMRC will administer the payment, following the same schedule and eligibility guidelines.
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