Billions of pounds in UK benefits, grants, and bonuses go unclaimed every year. This is legitimate government support, bank incentives, and grants that people simply don't know about or haven't applied for.
Unclaimed Benefits
Around £19 billion in means-tested benefits goes unclaimed each year. The biggest gaps are in Pension Credit (800,000+ eligible pensioners not claiming), Universal Credit (many who qualify don't apply), and Council Tax Reduction.
- •Pension Credit: ~£3,900/year average for eligible pensioners
- •Council Tax Reduction: up to 100% off for lowest incomes
- •Free benefits check: entitledto.co.uk or turn2us.org.uk
- •Universal Credit: check if you qualify even if in work
- •Use the official eligibility checker before assuming you don't qualify
Government Savings Bonuses
Help to Save pays a 50% bonus on savings for eligible Universal Credit and Working Tax Credit claimants — potentially £1,200 in free bonuses over 4 years. The Lifetime ISA adds a 25% government bonus on up to £4,000/year.
- •Help to Save: 50% bonus on up to £50/month for 4 years = up to £1,200 free
- •Lifetime ISA: 25% bonus on up to £4,000/year = up to £1,000 free/year
- •LISA eligibility: 18-39 years old, first home or retirement
- •Help to Save eligibility: UC with earned income, or Working Tax Credit
- •Both can be open simultaneously if you qualify for both
Can I open both a LISA and Help to Save?+
Yes, if you qualify for both. Help to Save is for current low-income workers; LISA is for long-term savings toward a first home or retirement.
Bank Switching Bonuses
Banks pay up to £200 just for switching your current account. This is genuinely free money for a one-hour task. Do it multiple times across different providers and earn several hundred pounds a year. See our bank switching deals guide for current live offers.
- •Up to £200 per switch from some providers
- •Takes 7 working days via CASS
- •Can be repeated with different banks
- •Check moneysavingexpert.com for live deals
- •Stack with a savings or cashback account for ongoing value
Energy Grants and Specific Grants
ECO4 can provide thousands of pounds of free home improvements for qualifying households. Turn2us grants database lists thousands of charitable grants searchable by your situation.
- •ECO4: free insulation, heating upgrades for low-income households
- •Great British Insulation Scheme: broader eligibility
- •Disabled Facilities Grant: up to £30,000 for home adaptations via your council
- •Turn2us.org.uk: search charitable grants by situation
- •Household Support Fund: food and energy vouchers via councils
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