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Cold Weather Payment: Can you claim Cold Weather Payment without a bank account?

Cold Weather Payment: Can you claim Cold Weather Payment without a bank account?


Cold Weather Payments are paid when there are seven consecutive days of cold weather between November 1 and March 31. Several areas of the UK are experiencing snow and freezing temperatures today, with many more days expected through next week. Express.co.uk has compiled a guide about how to claim these cold weather payments if you do not have a bank, building society or credit union account.

What is a Cold Weather Payment?

A Cold Weather Payment is a monetary amount given to help with fuel costs during periods of very cold weather.

The period of cold weather must cover seven consecutive days, between November 1 and March 31, when the average temperature must be zero degrees Celsius or below.

The payment is available to those in England, Wales, Scotland and Northern Ireland.

READ MORE: Universal Credit claimants could receive £25 a week for energy bills

Can you claim Cold Weather Payments if you do not have a bank account?

If you do not have a bank account to collect the Cold Weather Payment, you can use the Payment Exception Service.

The Payment Exception Service is only available in some very limited circumstances.

This service is a means by which benefits can be paid to those who cannot use a bank, building society, credit union or Post Office card accounts, replacing the Single Payments system from March 2018.

Payment Exception Service users are sent a payment card and then are able to use the card to collect the payment from any PayPoint outlet which offers the service.

If you do not have a card, you will be sent either:

To collect a payment, you must show your card, vouchers or text message at the PayPoint outlet.

You can find PayPoint outlets in your local newsagents, convenience store or supermarket.

Those receiving benefits or pension payments through the Payment Exception Service must claim the payment within 30 days of it being sent out and there is a limit of £100 for watch payment collection which is made.

READ MORE: Cold Weather Payment: Who qualifies for cold weather payment?

When collecting these payments using the Payment Exception Service, you must show proof of identity.

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This could include:

You can request another person collect your money for you, but they will need your payment card or voucher, your ID or their own ID.



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