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What is the Help to Save scheme?

The Help to Save scheme is a government savings scheme for people getting Universal Credit. 

Last reviewed 17 April 2026

The Help to Save scheme is a government savings scheme for people who receive Universal Credit.

It gives you two bonus payments of up to 50% on savings paid into a Help to Save account. 

You can pay up to £50 into your account each month, which is £2,400 over four years. The maximum amount you can earn from your savings over the four years is £1,200.

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