£450 Cost of Living Payment Confirmed for October 2025

With energy, food, and housing costs still pressing, rumors are circulating that the government will issue a £450 Cost-of-Living Payment in October 2025. But the latest official guidance suggests otherwise. More than just policy confusion, these claims raise the risk of scams and false expectations among benefit claimants.

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What the “£450 Cost-of-Living Payment” Claim Is Saying?

The rumor asserts:

• A one-off, £450 tax-free payment will be made in October 2025.
• It will be automatically distributed to current benefit claimants.
• It will not reduce other benefits or require any applications.

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These descriptions mirror past cost-of-living schemes, but no official announcement supports these statements as of now.

What the Official Government Guidance Actually Says

1. DWP Guidance on “Cost of Living Payments”

The official GOV.UK page titled “Cost of Living Payments” states clearly:

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“DWP is not planning to make any more Cost of Living Payments.”

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This guidance has been updated as recently as September 2025, reinforcing that no further installments beyond 2024 are anticipated.

2. Media on the Rumors

Recent media reports note that:

• The DWP has not made any announcement confirming the continuation of the cost of living scheme in 2025.
• Articles referencing a £450 payment appear primarily on non-official or less reliable sources, often repeating unverified claims. (E.g. speculative websites, social media aggregators)

These indicate that the rumor may stem from misinterpretation or misinformation rather than policy reality.

Why the Myth Persists?

• Precedent: Between 2022 and 2024, the UK distributed multiple cost of living payments to ease inflation impacts. This history makes new payments seem plausible.
• Economic pressure: Households continue facing high bills and inflation, fueling expectations for further government support.
• Viral misinformation: Articles and social media reposts often repeat speculative figures without verification.
• Ambiguous language by officials: Future welfare reforms and benefit uplifts sometimes get conflated with one-off payments, sparking confusion.

What Claimants Should Do Now?

Given the lack of official confirmation, here’s how to stay safe and informed:

✅ Check Official Sources

• Refer to GOV.UK and DWP pages for updates.
• Watch for announcements in Parliament or Budget statements.

✅ Don’t Rely on Rumors

• Treat claims of new payments (like £450) as unverified until confirmed by DWP.
• Be cautious if someone suggests applications or fees for “claiming” it.

✅ Update and Confirm Your Benefit Records

• Ensure your benefit-related bank account and contact details are up-to-date.
• Monitor your Universal Credit or Pension Credit account messages for official notices.

✅ Spot and Report Scams

• The DWP will never ask you to pay money or share full bank details to receive benefits.
• If you receive texts/emails about a “£450 payment,” verify via official DWP contact channels before acting.
• Report suspicious messages to Action Fraud or your local authority.

What Could Actually Happen Next?

• The government may adjust benefits over time through reforms, but those are distinct from a one-off payment.
• Budget or financial statements may introduce new support measures, but they must go through formal legislative or departmental procedures.
• If a new payment is announced, official channels will clarify eligibility, timing, and how it interacts with existing benefits.

FAQs

Has the DWP confirmed a £450 payment?
No — official guidance states there are no future Cost of Living Payments planned.

Why did people expect such a payment?
Because of precedent from previous years, continued inflation, and speculative media articles.

Could the government change its mind and issue one later?
It’s possible, but any change would require a public announcement via DWP or HM Treasury, not private messaging or rumors.

If I receive something promising £450, should I respond?
No — verify first with official DWP channels. It may be a phishing attempt.

Does this mean all support is ending?
No — other benefits, assistance schemes, and welfare reforms continue to be active and may be updated.