Today’s guide aims to explain everything you ever wanted to know about Child Benefit in the UK. This benefit could be a lifesaver with the current economy and interest rates being what they are. Learn the rules around eligibility, discover how much you can get, and see how many children you can claim for. We’ll also explain what impact your earnings may have, how long you can continue claiming for, and much more. So, if you’re responsible for bringing up a child, take a look!
What Is Child Benefit?
Child Benefit is a financial support scheme, provided by the UK Government, that’s there to assist parents and guardians in covering the costs of raising children. It is an essential part of the social safety net in the United Kingdom and aims to help families with the financial responsibilities that come with bringing up children. Eligible families are free to spend Child Benefit however they like, whether that’s on children’s clothes, food, or something else.
Who is Eligible to Claim Child Benefit?
In the UK, Child Benefit is available to those primarily responsible for raising a child under the age of 16, or under 20 if they’re in approved education or training (N.B. that’s unless they get paid for working 24 or more hours per week instead, begin an apprenticeship, or claim certain benefits themselves).
Child Benefit is usually paid to the person who is primarily “responsible for the child’s care”.
To be eligible, you must be living in the UK, the child you’re claiming for must reside with you, and you must be spending at least the equivalent of the benefit you’ll receive on caring for your child (e.g. through food, clothes, etc.). Up to a certain level, income doesn’t affect eligibility (we’ll explain rules around income later in this guide*) and you do not need to be working. Note also that savings do not affect eligibility. Interestingly, you do not necessarily have to be the child’s parent in order to claim, although only one person can claim for a particular child.
More details about eligibility for Child Benefit can be found here, including some caveats, exceptions and special circumstances.
How Many Children Can You Claim For?
You can claim Child Benefit for all of your children who meet the eligibility criteria. It may surprise some to learn that there are no restrictions on the number of children you can claim for (unlike with some other types of Government child support), so each eligible child in your care can be covered under this benefit.
How Much Do You Get?
For the 2023/24 tax year, the rates for Child Benefit have increased to the following levels:
• For the eldest or only child: £24.00 per week;
• For additional children: £15.90 per week for each additional child.
Example:
If you are responsible for looking after 3 eligible children, you will get 1 x £24 per week plus 2 x £15.90 each week. That amounts to £55.80 per week or £2901.60 per annum.
These rates can be a valuable contribution to your family’s finances and provide some relief from the costs associated with raising children. They are usually paid to you monthly, however, you may be able to arrange weekly payments in some circumstances. The money is paid directly to you and can be paid into most types of bank or building society accounts, with the exception of Post Office card accounts and Nationwide Cash Builder accounts with sort code 07 00 30 that are registered in someone else’s name.
* How Do Your Earnings Affect It?
Child Benefit can be affected by your or your partner’s individual income if either of you earns over £50,000 annually. In such cases, you may have to pay a ‘High Income Child Benefit Tax Charge’. This charge gradually reduces your Child Benefit entitlement if your income is between £50,000 and £60,000. Indeed, if your income exceeds £60,000, you’ll likely have to repay the entire amount through this tax charge. We’ll cover more of the detail in the next section below…
Is Child Benefit Subject to Income Tax?
Whether Child Benefit is subject to Income Tax depends on the level of you/your partner’s income:
- If you or your partner earn less than £50,000 per year, Child Benefit is not subject to Income Tax, i.e. it is tax-free.
- If you or your partner earn over £50,000 and no more than £60,000 per annum, you will need to repay 1% of your Child Benefit income for every £100 earned over the £50,000 threshold. This is done through a special kind of income tax called the ‘High Income Child Benefit Charge’.
- Because that equates to 10% for every £1000 of Childcare Benefit received, 100% of Childcare Benefit has to be repaid through the special income tax charge if you or your partner’s income reaches the upper (£60,000) threshold.
Is Child Benefit Affected by Universal Credit?
No, child benefit is not affected by anything you receive through Universal Credit. As separate schemes in their own right, each is paid independently of the other.
Can Child Benefit Contribute Towards Your State Pension?
Child Benefit will count towards your state pension National Insurance (NI) contributions if the child you are claiming for is under 12 and you are either not in work or do not have sufficient earnings for NI contributions. However, should you not need the NI State Pension credits yourself, you may be able to ask for them to be transferred to your partner/spouse in some circumstances.
How Do You Claim Child Benefit?
Claiming Child Benefit is a straightforward process:
- You can apply online through the official Government website. Fill out the necessary details and submit the form, and you should start receiving your payments within a few weeks. Learn more about how to claim online and what information you’ll need by watching this video.
- Alternatively, you can use a physical claim form. Two versions of the form exist: a CH2 form to use if you are claiming for up to two children and a CH2 (CS) form for any children in addition to those. Use the bold links to download and print out the forms if you decide to go with the ‘paper’ option.
Tip!
Payments can only be backdated by 3 months. It’s therefore wise to make any claim before your child reaches the age of 3 months.
How Long Can You Claim For?
You can usually claim this benefit until your child reaches the age of 16. However, if your child continues in approved education or training, you can still receive this benefit until they turn 20. As we said before, that’s unless they are paid for working 24 hours or more per week instead of their education or training.
Child Benefit is a crucial source of financial support, helping to ease the financial burden of raising children for eligible families. Be mindful of the income thresholds that may affect your entitlement, and ensure you claim it promptly to access the full value of this funding. Also, keep in mind that Government policies and rates may change over time, so it’s advisable to check the official Government website links above for the most up-to-date information on Child Benefit.
A Nursery Place for Your Child at Little Cedars Nursery, Streatham
Little Cedars is a Nursery & Preschool in Streatham, London SW16
At Little Cedars Nursery in Streatham, SW16, we are mindful of the significant costs associated with bringing up a child. We therefore support all Government-funded childcare schemes for eligible families. Parents/guardians can also rest assured that we’ll give babies, toddlers and preschoolers the very best start in life, in a warm, nurturing environment. And, as Ofsted agree, we are a good nursery and early years provider.
If you’d like to register your child for a nursery place, ask us a question or arrange a tour of the nursery/preschool with your little one, please get in touch — we’ll be delighted to help.
Our childcare service is based in Streatham near Tooting Common and the A214. As such, it is also conveniently located for families in Streatham Hill, Streatham Common, Streatham Park, Furzedown, Tooting, Balham, Norbury, Colliers Wood, West Norwood, Wandsworth, Clapham and Brixton.
A wonderful way to 
Combine with our Bird-Spotting Activity
The fastest and easiest bird feeder for children/families to make is simply an apple. This can either be hung with string from a tree branch, bush, or similar, or the apple can be ‘spiked’ on the pointy end of a tree branch, a strong twig or something like a bamboo pole embedded in the ground (so long as it’s tall enough to keep birds safe* from predators). Easy! We suggest stripping some of the apple skin off to expose the flesh. Apples are a particular favourite of blackbirds and bluetits, amongst others.
This is also a very easy bird feeder for children/families to make. All you need is some string and some monkey nuts* (peanuts still in their outer husk). A supervising adult will need to make some small holes in one end of each husk and then string can be threaded through to form a kind of chain (like a necklace). Monkey nuts can be threaded on to form the right length and then this can be tied between the branches of a tree, or similar. See our note about safely locating* them, though.
Home-made seed cakes are another type of bird feeder that is both easy and fun for children to make. Basically, they consist of lots of seeds mixed into a ‘cake’ made from either suet* or lard*. The seeds are mixed in when the lard or suet is melted, so parents/adults will need to help with that part as it’s done by heating it in a saucepan. Once melted, the seeds can be added and mixed in. Once cool enough to be safe, the children can take over to make most of the feeders. First, a piece of string can be tied from the centre of the base of something like a flower pot or yoghurt pot (parents should make the hole, if needed). Then the child can mould the seed cake into the pots, or other similar plastic containers. Once cooled, the seed cakes will harden and can then be suspended from the branches of a tree, bush, fence post or under the eaves of a house or outbuilding. Bluetits, great tits, starlings and robins will usually be the first to try out the new cakes.
Your choice of seeds directly affects the success – or otherwise – of your bird feeders. While many commercially-available seed mixtures contain several different types of seed, we have found that birds ignore some of them, so they go to waste. Our own bird feeders have been far more popular when they use more sunflower ‘hearts’ (the sunflowers without the other case) and less of the wheat and barley type seeds. Crushed peanuts* are also popular, but see our notes below about the safety of both baby birds and children when it comes to nuts.
Another type of bird feeder that is both fun and easy to make is a pine cone feeder. All you need is a big pine cone, ideally with the cone splines open, a birdseed mixture and either peanut butter*, suet* or lard*. All your child needs to do is paste the peanut butter (or suet or lard that’s been safely warmed to soften it) all over the pine cone, including into the open splines. Then the whole thing can be rolled over your seed mixture, so the seeds stick all over the pine cone. Once complete, the pine cone feeder can be hung with a piece of string in an appropriate place outside. Even better: hang several together so the birds can’t miss them. The birds will love pecking them when they’re hungry.
Bird feeders made from recycled cartons can be great fun, fairly easy and can be quite creative. All you need is an empty milk or juice carton, by which we mean the card ‘Tetra Pak’ type, plus some bird seed/food and some string. Parents will need to help younger children safely attach the string to the tops of the cartons and cut flaps/openings into the sides of the carton. These can be folded down, as shown in the photo, and suspended outside somewhere suitable for the birds. For extra creative fun, children can first paint patterns, designs or even faces on the cartons. This type of bird feeder is great because it not only holds the bird food but also potentially gives birds somewhere safe to land while feeding. As they were originally for holding liquid, they can alternatively be used to hold drinking water for birds — or perhaps children can make one for food and another for drinking water.
In a similar way, clear plastic bottles can be used as bird feeders or for water. The same approach can be used but flaps are not advised as they’re trickier for children to fold and also plastic bottles will have sharper edges than the carton approach above. So, this particular type of bird feeder needs extra supervision from a parent or adult. Take a look at the photos to see what’s possible, though. One photo (the first small image at the start of this article) even shows a plastic spoon that’s used as a landing platform and seed dispenser, all in one. Once finished, plastic bottle feeders tend to last a long time, so long as they’re regularly cleaned and refilled.