DWP & HMRC Payments: 5 Critical One-Off Cash Boosts Arriving Before New Year 2026
Millions of UK households are set to receive a series of crucial one-off payments and early benefit deposits from the Department for Work and Pensions (DWP) and HM Revenue and Customs (HMRC) in the weeks leading up to the New Year 2026. With the cost of living continuing to be a major concern, these financial boosts are a vital lifeline for low-income families, pensioners, and vulnerable individuals across the country.
As of December 22, 2025, the focus is on three key one-off payments—the Winter Fuel Payment, the Cold Weather Payment, and the Christmas Bonus—alongside the critical changes to the regular benefit payment schedule due to the festive bank holidays. This guide breaks down exactly who qualifies, how much they will receive, and the confirmed payment windows to help you manage your finances over the holiday season.
Confirmed DWP One-Off Payments and Support for Winter 2025/2026
The period before the New Year is traditionally a time when the government rolls out several specific payments designed to help with the increased costs associated with winter and the festive period. These schemes are automatic for most eligible recipients, meaning no application is required.
1. The Winter Fuel Payment: Up to £300 for Heating Bills
The Winter Fuel Payment (WFP) is one of the most significant one-off payments arriving before the new year, designed to help older people with the cost of heating their homes.
- Payment Amount: You could receive between £100 and £300, depending on your age and living circumstances during the qualifying week.
- Eligibility Criteria: You must have been born on or before September 22, 1959.
- Qualifying Week: The crucial period for determining eligibility was September 15 to 21, 2025.
- Payment Window: Most payments are made automatically in November and December, well before the New Year, ensuring funds are available during the coldest months.
The payment is tax-free and will arrive as a separate deposit, independent of your regular State Pension or benefit payment. Many people will have already received this payment, but anyone who has not should check their bank account or contact the DWP to confirm their eligibility status.
2. The DWP Christmas Bonus: A £10 Tax-Free Boost
The DWP Christmas Bonus is a small, one-off, tax-free payment made to people who receive certain benefits during the designated qualifying week.
- Payment Amount: A flat rate of £10.
- Eligibility Criteria: You must be living in the UK, Channel Islands, Isle of Man, or Gibraltar and receive at least one qualifying benefit.
- Qualifying Benefits (Entities): The list of qualifying benefits is extensive and includes:
- State Pension
- Attendance Allowance
- Carer’s Allowance
- Disability Living Allowance (DLA)
- Employment and Support Allowance (ESA) (in some cases)
- Incapacity Benefit
- Jobseeker’s Allowance (JSA) (in some cases)
- Pneumoconiosis, Byssinosis and Mesothelioma Benefit
- Personal Independence Payment (PIP)
- Severe Disablement Allowance
- War Disablement Pension
- Widow’s Pension
- Payment Date: The £10 bonus is paid automatically before Christmas.
If both partners in a marriage or civil partnership receive a qualifying benefit, they will each receive the £10 bonus payment.
3. Cold Weather Payments: £25 Per Qualifying Period
The Cold Weather Payment (CWP) scheme is another essential one-off support mechanism active during the winter months, with payments triggered by specific weather conditions.
- Payment Amount: £25 for each 7-day period of very cold weather.
- Scheme Dates: The scheme for the 2025-2026 winter runs from November 1, 2025, to March 31, 2026.
- Trigger Condition: The payment is triggered when the average temperature in your local area is recorded as, or forecast to be, 0°C or below for seven consecutive days.
- Eligibility: You must be receiving certain benefits, such as Pension Credit, Income Support, Income-based Jobseeker’s Allowance (JSA), Income-related Employment and Support Allowance (ESA), Universal Credit, or Support for Mortgage Interest.
Unlike the Winter Fuel Payment, the Cold Weather Payment is not a guaranteed lump sum; it is only paid if the temperature criteria are met in your postcode area. Recipients do not need to apply; it is paid automatically within 14 working days of the cold spell.
Critical Early Payment Dates: DWP & HMRC Schedule Changes
Due to the Christmas Day, Boxing Day, and New Year’s Day bank holidays, the DWP and HMRC must adjust their regular payment schedule. This means that any benefit or pension payment due on a bank holiday will be paid early, ensuring recipients have their money before the bank closure.
The following table outlines the critical early payment dates for benefits like Universal Credit, State Pension, Child Benefit, Tax Credits, and others, which are due around the New Year 2026:
| Normal Payment Date | Reason for Change | Revised Early Payment Date |
|---|---|---|
| Wednesday, December 24, 2025 | — | Wednesday, December 24, 2025 |
| Thursday, December 25, 2025 (Christmas Day) | Bank Holiday | Wednesday, December 24, 2025 |
| Friday, December 26, 2025 (Boxing Day) | Bank Holiday | Wednesday, December 24, 2025 |
| Monday, December 29, 2025 | — | Monday, December 29, 2025 |
| Tuesday, December 30, 2025 | — | Tuesday, December 30, 2025 |
| Wednesday, December 31, 2025 | — | Wednesday, December 31, 2025 |
| Thursday, January 1, 2026 (New Year's Day) | Bank Holiday | Wednesday, December 31, 2025 |
| Friday, January 2, 2026 | Bank Holiday (Scotland Only) | Thursday, January 1, 2026 (For Scotland) |
Action Point: If your payment is due on December 25th or 26th, your funds should be in your account on Wednesday, December 24th, 2025. Similarly, payments due on New Year’s Day (January 1, 2026) will be paid on New Year’s Eve (December 31, 2025). This early payment is crucial for household budgeting during the festive break.
What About the £500 and £600 Cost of Living Payments?
Many people are searching for information about a potential £500 or £600 one-off Cost of Living Payment (CoLP) arriving before the New Year 2026. While significant Cost of Living support was provided throughout 2023 and early 2024, the government has officially concluded the main Cost of Living Payment scheme. [cite: 10 (from Step 1)]
The reports of new £500 or £600 one-off payments for late 2025 often refer to local or discretionary grants, or are based on speculative information regarding future support packages. For example, some local authorities may offer Household Support Fund grants which can be up to a few hundred pounds, but these schemes vary significantly by area and are not a universal DWP/HMRC payment. [cite: 16 (from Step 2)]
Key Takeaway: There is no confirmed, universal, national £500 or £600 Cost of Living Payment scheduled directly from the DWP or HMRC before the New Year 2026. Households should instead focus on the confirmed, automatic payments like the Winter Fuel Payment and the Christmas Bonus, as well as checking for local support funds.
Alternative Support and Financial Entities
While the main CoLP scheme has ended, other forms of financial support remain available for those struggling with high living costs. These entities and schemes provide targeted relief:
- Household Support Fund (HSF): Managed by local councils, this fund provides grants to help with food, energy, and water bills. Eligibility and application rules are set locally.
- Budgeting Loans/Advances: Available to those on Universal Credit or other low-income benefits to help with emergency or one-off expenses.
- Energy Bill Support: Schemes like the Warm Home Discount and the Energy Price Guarantee continue to provide assistance with utility costs.
Staying informed about these various support mechanisms is key to maximising your household's financial resilience through the winter and into the New Year.
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