Savings Credit


We will not be providing face-to-face advice or training for the foreseeable future. We will contact existing advice clients by phone. Our staff will continue to support our members and can be reached via telephone and email as usual.

We are working hard to move our training, where possible, to digital. For any queries, please contact our training team at [email protected]

We can only provide advice to people living in Northern Ireland. 

Helpline contact details:

Welfare Changes ring 0808 802 0020 or email [email protected]
Tax & Benefits ring 0800 988 2377 or email [email protected]
Business Debt ring 0800 083 8018 or email [email protected]
Debt Action ring 0800 028 1881 or email [email protected]
EU Settlement Scheme ring 0800 138 6545 or email [email protected]
For Historical Institutional Abuse advice and support call 02890 645919 email [email protected]


Savings credit can give you extra money each week if you have a modest income or savings.

It is available to people over the age of 65 (and couples when one of you is over 65). The maximum weekly amount of savings credits for 2019 - 2020 are as follows:

• £13.73 for a single person

• £15.35 for a couple

Income and savings that can count towards Savings Credit include:

  • severely disabled
  • earnings
  • savings over £10,000

If you reach State Pension Age on or after 6th April 2016 you will not be eligible for Savings Credit unless:

  • you are in a couple and one of you reached State Pension Age before 6th April 2016
  • you were getting savings credit up to 6th April 2016.


Working out Savings Credit

The calculation for Savings Credit can be quite complex, so you may wish to contact a local, independent adviser. Otherwise, there is further information on NI Direct.