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Pension Credit is extra money for people of state pension age, intended to supplement the UK State Pension and bring your weekly income up to a minimum amount.

Guarantee Credit is an entitlement for single people who have reached pensionable age or couples where both members of the partnership have reached pensionable age and are on a low income. Pension Credit tops up your income if it falls below a certain level. These levels can be found on the Pension Credit: Eligibility webpage on GOV.UK.  The amount of benefit you receive will be affected by your savings if they are above fixed limits

Pension Credit Calculation

Find out if you're eligible for Pension Credit and how much you could get using the GOV.UK Pension Credit calculator.

How to claim

The quickest way to apply for Pension Credit is on the Pension Credit: How to claim webpage on GOV.UK.


Alternatively you can apply by Telephone
Telephone: 0800 99 1234
Textphone: 0800 169 0133
NGT text relay (if you cannot hear or speak on the phone): 18001 then 0800 99 1234 
Monday to Friday, 8 am to 6 pm

You will need:

  • your National Insurance number
  • information about your income, savings and investments
  • your bank account details.

Further information:

Some people may get the guarantee credit element or the savings credit element and some people will get both elements. Further information is available from GOV.UK and the Pension Credit factsheet.

People who get Pension Credit may also be able to get Housing Benefit and/or Council Tax Support, these can be claimed through the Open Portal (Self Service) system.