Free £90 Cost of Living Payment Coming in May: As everyday expenses like groceries, utility bills, and housing continue to climb, many UK residents are struggling to make ends meet. To help ease this pressure, the UK government is offering a £90 Cost of Living Payment in May 2025. This support is being rolled out under the expanded Household Support Fund (HSF), a multi-million-pound initiative aimed at helping vulnerable households manage basic living costs. Whether you’re a pensioner, parent, jobseeker, or a low-income worker, understanding your eligibility and how to apply is key. This article breaks down everything you need to know in simple, professional terms — whether you’re new to government support programs or advising others in a professional setting.
Free £90 Cost of Living Payment Coming in May
The £90 Cost of Living Payment in May 2025 is a vital lifeline for thousands of UK households facing ongoing financial strain. Whether you’re managing on a tight budget, supporting children, or dealing with rising energy costs, this support can help you bridge the gap. Don’t leave money on the table — this funding is here to support you.
| Aspect | Details |
|---|---|
| Payment Amount | £90 |
| Distribution Period | May 2025 |
| Administered By | Local councils across England under the Household Support Fund (HSF) |
| Eligibility Criteria | Varies by council; typically includes households on Universal Credit, Income Support, Pension Credit, or with low income/savings under a set threshold |
| Application Process | Some councils issue payments automatically; others require applications (check your local council’s website) |
| Total HSF Funding (2025) | £742 million, available from April 2025 to March 2026 |
| Additional Support | Energy vouchers, school meal support, white goods, winter clothing, broadband help, and more |
| Official Website | GOV.UK Household Support Fund Guidance |
What Is the £90 Cost of Living Payment?
The £90 Cost of Living Payment is a one-time grant given to eligible individuals or households in May 2025. It is not taxable, does not affect existing benefits, and does not need to be repaid. This payment is designed to help people cover essential household expenses, such as food, energy bills, and other daily necessities.
This support is part of the wider Household Support Fund (HSF) — a scheme launched in October 2021, extended multiple times, and now funded with £742 million for the 2025–2026 financial year. The scheme is delivered by local authorities in England, each of which determines how the money is distributed.
What Is the Household Support Fund?
The Household Support Fund is a government initiative that helps households most in need. Unlike some government programs that focus on specific benefits, the HSF gives councils more flexibility to address local needs. Councils can decide the form, amount, and frequency of support depending on their area’s demographics and economic challenges.
Support provided may include:
- Supermarket and food vouchers
- Utility bill assistance (gas, electric, water)
- White goods (e.g., fridges, cookers)
- Emergency housing support
- School meal assistance during holidays
- Broadband or mobile data vouchers
Who Is Eligible for the £90 Payment?
Eligibility rules differ across local councils, but the following groups are generally prioritized:
1. Those on Means-Tested Benefits
Including:
- Universal Credit
- Income Support
- Pension Credit
- Income-based Jobseeker’s Allowance (JSA)
- Employment and Support Allowance (ESA)
2. Low-Income Households
Households not on benefits but facing financial hardship, particularly:
- With total savings below £1,000–£2,000 (depending on the council)
- Earning below the Minimum Income Threshold
- Recently experiencing a sudden income drop
3. Families with Dependent Children
Especially those:
- Receiving Free School Meals
- With children under 5
- Facing increased childcare costs
4. Disabled Individuals
Those receiving:
- Personal Independence Payment (PIP)
- Disability Living Allowance (DLA)
- Attendance Allowance
Example: Torbay Council is offering up to £100 to households on low incomes or with disability benefits. Meanwhile, East Riding of Yorkshire Council provides grants of up to £425, depending on household composition and savings.
How to Apply for the Free £90 Cost of Living Payment Coming in May?
Application methods depend on your local council. There are generally two options:
A. Automatic Distribution
Some councils will issue payments or vouchers automatically to residents already registered for:
- Council Tax Reduction
- Free School Meals
- Housing Benefit
B. Application-Based Support
Other councils may require you to:
- Apply online via the council website
- Submit supporting documents, such as benefit statements, bank details, and income evidence
- Apply in person or request a paper application (often available at libraries or community hubs)
Tip: Apply early — funds are limited and often distributed on a first-come, first-served basis.
When Will the £90 Payments Be Made?
Payments are being issued throughout May 2025. The specific payment dates vary by council, so it’s important to stay updated via your local authority’s website or communications.
Some councils may delay distribution until June if additional verifications are needed.
What Other Support Is Available?
Besides the £90 payment, the HSF provides a variety of targeted support:
1. Energy Grants
Example: Rotherham Council offers up to £250 in energy bill assistance to low-income residents.
2. School Holiday Food Vouchers
Example: Cambridgeshire Council provides supermarket vouchers worth up to £275 per household during school holidays.
3. Care Leavers and Young People
Manchester City Council supports young adults (especially care leavers under 25) with weekly allowances and housing grants.
4. Essential Household Items
Includes beds, cookers, fridges, winter clothing, or furniture in case of crisis situations.
Some councils also offer digital inclusion grants, helping vulnerable families access the internet for job searching or education.
Expert Advice: What to Do Next
As a seasoned welfare consultant and former council officer, I recommend the following steps:
- Check your council’s website today. Some areas may already be accepting applications.
- Collect documents in advance. Keep proof of income, tenancy agreements, and benefit letters ready.
- Speak to a local adviser. If you’re unsure about your eligibility, Citizens Advice and local community centres often offer free guidance.
- Watch out for scams. Never share personal or bank details unless you’re on the official council website.
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Frequently Asked Questions (FAQs)
1. Do I need to be on Universal Credit to receive this payment?
No. While many recipients will be on Universal Credit, other low-income households or those with children or disabilities may also qualify.
2. Is the £90 payment taxable?
No. The payment is a grant and is not taxable. It does not count as income or affect existing benefits.
3. What if I miss the application window?
Unfortunately, funding is limited. However, councils may reopen the scheme or provide other forms of assistance throughout the year.
4. Can I apply if I received support last year?
Yes, previous support does not disqualify you. Each round of funding is treated separately.
5. Can landlords or carers apply on behalf of someone else?
In some cases, yes. Especially if the individual lacks digital access or has disabilities.
