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Pension Credit - What is Pension Credit?

Find out more about Pension Credit.

What is Pension Credit?

Pension Credit is a means-tested benefit for people on a low income who have reached the Pension Credit qualifying age.

Pension Credit has two parts – Guarantee Pension Credit and Savings Pension Credit. You may be able to get one or both parts depending on your circumstances.

  • Guarantee Credit tops up your weekly income if you have a low income below £155.60 (for single people) or £237.55 (for couples)

  • Savings Pension Credit is an extra payment to reward people who have prepared for their retirement by having some savings or income.

You can claim Pension Credit whether or not you are still working.  You do not need to have paid any national insurance contributions.

There are different rules for getting the Guarantee Pension Credit and the Savings Pension Credit.

  • If you are a woman, to claim Guarantee Pension Credit you must be State Pension age.

  • If you're a man, you can claim Guarantee Pension Credit when you reach the State Pension age of a woman born on the same day and in the same year as you.

  • The Savings Pension Credit can be claimed by men and women aged 65 or over

You can work out the exact date of your State Pension age by using the State Pension age calculator on GOV.UK website.

Applies to: England, Wales, Scotland and Northern Ireland

Age rules: The age rules are different for the two parts of Pension Credit, see ‘Can I get Pension Credit’ for further details. 

Type of benefit: Means-tested

Taxable: No

Administered by: The Pension Service

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