How the UK Help to Save Scheme Works

Learn how Help to Save supports eligible Universal Credit claimants who are working on a low income, and what to check before applying. The overview covers eligibility, monthly savings, government bonuses and when withdrawals may affect the bonus.

- Eligibility and applying: the earnings condition and where to find official information
- Savings and bonuses: monthly limits, the government contribution and a four-year example
- Withdrawals and account closure: how taking money out can affect bonuses and when payments are made

This is for people receiving Universal Credit who want to understand whether the scheme may apply to them. You’ll come away with the key rules to check and the next step: search for Help to Save on gov.uk.