Child Benefit remains one of the most important financial supports for families across the UK. Managed by the Department for Work and Pensions (DWP), this payment provides crucial help to cover the costs of raising children. With October 2025 approaching, many parents are eager to know when payments will be made, who is eligible, and how much they can expect. This article breaks down all the essential details you need to stay informed.
What is Child Benefit?
Child Benefit is a regular payment from the UK government to parents or guardians of children under 16, or under 20 if they remain in approved education or training. It is designed to help with the costs of raising children, from school supplies and clothes to everyday essentials.
The payment is not means-tested, which means most families are eligible regardless of income. However, high earners may have to pay a tax charge if they or their partner earn above a certain threshold.
Who is Eligible for Child Benefit?
Eligibility for Child Benefit depends on a few key factors:
- Age of the child: Payments are made for children under 16, or under 20 if they are in full-time approved education or training.
- Residency status: The child must normally live in the UK. Parents or guardians can claim the benefit if they live in the UK and care for the child.
- Parental responsibility: Usually, the person with legal responsibility for the child can claim. In shared care situations, only one parent can receive the payment.
Parents must ensure they register their child for Child Benefit soon after birth or adoption to avoid missing payments. Late claims can usually be backdated for up to three months.
How Much is Paid in October 2025?
For the 2025/26 financial year, the Child Benefit rates are:
- £24.00 per week for the eldest or only child.
- £15.90 per week for each additional child.
These rates are consistent with the previous year, reflecting the government’s continued support for families. Payments are made every four weeks directly into the bank account of the person claiming.
Child Benefit Tax Charge
Families where one parent earns over £50,000 per year may have to pay the High-Income Child Benefit Charge. The charge reduces the benefit gradually for incomes between £50,000 and £60,000. Above £60,000, the charge usually equals the full Child Benefit amount, effectively cancelling the payment.
Parents earning above £50,000 should still register for Child Benefit, as it can provide National Insurance credits which count towards the state pension, even if the benefit is later reclaimed through the tax system.
October 2025 Payment Dates
DWP typically pays Child Benefit every four weeks. In October 2025, the payment dates are expected to follow the usual schedule:
- Wednesday, 1 October 2025
- Wednesday, 29 October 2025
Parents should note that payments can occasionally be delayed due to bank holidays or administrative updates. Checking the DWP online portal can help ensure you receive timely notifications.
How to Claim Child Benefit
Claiming Child Benefit is straightforward and can be done online or by submitting a paper form. The process generally involves:
- Filling out form CH2: This can be done via the official government website or downloaded for postal submission.
- Providing supporting documents: Birth or adoption certificates may be required to confirm eligibility.
- Bank account details: Payments are made directly to a nominated account.
Once the claim is submitted, it can take up to 12 weeks to process the first payment. Parents should submit claims as soon as possible to avoid delays.
Impact of Education and Training
Children who continue in approved education or training beyond age 16 remain eligible for Child Benefit until age 20. Approved courses include:
- Full-time education in schools or colleges
- Approved apprenticeships
- Certain work-based training courses
Parents must update the DWP with any changes in their child’s education status to ensure payments continue without interruption.
Shared Care Arrangements
In cases where parents are separated or share custody, only one parent can claim Child Benefit for the same child. Parents can decide between themselves who will claim, but once a choice is made, it remains in effect for the tax year unless circumstances change.
Importance of National Insurance Credits
Even if a family has to pay the High-Income Child Benefit Charge, registering for Child Benefit can provide valuable National Insurance credits for the primary earner or stay-at-home parent. These credits help maintain eligibility for the state pension and other contributory benefits.
Updating Your Details
Parents should always keep their personal and financial details up to date with the DWP. This includes:
- Changes in address
- Bank account information
- Child’s education or training status
- Income changes that may trigger the High-Income Child Benefit Charge
Failing to update details can lead to overpayments or delays in receiving benefits.
Backdating and Late Claims
If a Child Benefit claim is submitted late, payments can usually be backdated for up to three months from the date of claim. This ensures that families do not miss out on support for the early period after birth or adoption. Backdating beyond three months is only possible in exceptional circumstances.
What Happens if Your Claim is Rejected?
Occasionally, claims may be rejected due to incomplete information or ineligibility. Parents can appeal a rejection by providing additional evidence or clarification. DWP guidance is available online to assist with the appeal process.
Planning Ahead
Child Benefit is a reliable source of support for UK families, but careful planning is needed, especially for those approaching the High-Income Child Benefit Charge threshold. Parents should:
- Track all payment dates
- Ensure all personal and child details are current
- Claim as soon as possible to benefit from backdating if needed
- Keep records for tax purposes
Key Takeaways
- Child Benefit provides £24 per week for the eldest child and £15.90 for each additional child.
- Payments are made every four weeks, with October 2025 payments expected on the 1st and 29th.
- Eligibility covers children under 16 or under 20 if in approved education or training.
- High earners may face a tax charge but still benefit from National Insurance credits.
- Claims should be submitted promptly, and details updated to avoid delays or overpayments.
Child Benefit continues to be an essential support for millions of families in the UK. By understanding payment schedules, eligibility rules, and the tax implications, parents can make the most of this government support. Staying informed and proactive ensures families receive the financial help they are entitled to, helping cover everyday costs and contributing to long-term financial security.