What Time Do Tax Credits Go Into Your Bank?
Tax Credits are paid by HMRC via BACS, so they usually reach your account between midnight and 7am on your payment day. The exact time depends on your bank.
Tax Credits are paid either weekly or every 4 weeks, depending on what you chose. Pick your bank below to see the window most people report.
At a glance
- Paid by
- HMRC via BACS
- Usual arrival
- Midnight–7am
- How often
- Weekly or every 4 weeks
- Note
- Being replaced by Universal Credit
Which bank do you use? Pick it below to see when your Tax Credits typically land. Under BACS it is always available by 7am.
⏰ When will your Tax Credits land? · pick your bank
If your Tax Credits is due today, expect it in your Nationwide account roughly between 11pm and 12:30am. Often lands late the night before — one of the earliest. Whatever your bank, BACS guarantees the money is available by 7am on the day it’s due.
Payment due on a weekend or bank holiday? You’ll normally be paid on the working day before instead.
Tax Credits is usually paid weekly or every 4 weeks. The time of day is the same whichever week it lands — it’s set by BACS, not by the benefit.
Times are typical patterns reported by customers, not official or guaranteed — these payments are made by BACS and each bank releases them on its own overnight schedule. Only the 7am availability rule is fixed. Check your banking app for the exact time your payment shows.
What time do Tax Credits go into your bank?
Tax Credits are paid by BACS, which makes the money available by the start of your payment day. Each bank releases it at a slightly different time overnight, most people see it between just after midnight and around 3am, and it is always there by 7am. The time is set by your bank, not by HMRC.
An important note: Tax Credits are ending
Tax Credits are being replaced by Universal Credit. Most people are being moved across, and once you are, your payment date and timing follow the Universal Credit pattern instead. If you have moved to Universal Credit, see what time Universal Credit goes into your bank.
What if my payment date is a weekend or bank holiday?
If your payment is due on a weekend or bank holiday, you are normally paid on the working day before. See Are Banks Open Today?.
Frequently asked questions
What time do Tax Credits go into bank Nationwide, Monzo or Starling?
Often the earliest, frequently landing late the night before around 11:30pm to 12:30am, and by 7am at the latest.
What time do Tax Credits go into bank Lloyds, Halifax, Santander or NatWest?
Typically around midnight to 3am on your payment day, and by 7am at the latest. Use the tool above to compare.
How often are Tax Credits paid?
Weekly or every 4 weeks, depending on what you selected when your claim was set up.
See what time DWP and benefit payments go into your bank for the full picture.
Other benefit payment times: Universal Credit · Child Benefit · State Pension
General information only. Payment times are typical patterns reported by customers, not guaranteed, only the 7am BACS availability rule is fixed.
