Who can use 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
To be eligible, you must:
- Live in the UK, and
- Get Universal Credit, and
- Have an income of at least £1 in your last monthly A monthly period starting on the day you first make your Universal Credit claim. See full definition
You only need to be eligible when you first open your account. If you stop getting Universal Credit or your circumstances change, you can continue to use your Help to Save account.
How long can I use my Help to Save account?
After four years, your Help to Save account will be closed and all your remaining money will be paid into your nominated bank account.
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