Universal Credit Bank Reviews: Frequently Asked Questions

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  • LazyLump
    LazyLump Online Community Member Posts: 33 Contributor

    so I opened a bank account for my son so he could send money to save. He wanted me to open an account so he didn’t have direct access so he wasn’t tempted to spend. It hasn’t got much it right now around £250. What should I do?

  • Rosie_Scope
    Rosie_Scope Posts: 6,325 Scope Online Community Coordinator

    Hi @LazyLump, this should all be okay. It's best to tell them about the account and explain to them what the money is for so they can take everything into account.

    It's fine to receive money from other people and as it's quite a small amount in the account, it shouldn't affect things unless you're already towards the top of the £6,000 limit in your other accounts.

    It's worth just keeping an eye on how much is in there as time goes on though. Although it's for your son it will likely be seen as your money if it's in your name, so will go towards the limits.

  • LazyLump
    LazyLump Online Community Member Posts: 33 Contributor

    I don’t have any money saved, it’s used up most months and I will tell him I need to transfer it back to him. I will declare the account and explain. Thank you

  • MadMilan2019
    MadMilan2019 Online Community Member Posts: 148 Empowering

    I am puzzled by advice from Leeds Welfare Rights.

    I still do not understand given my migration to UC,

    how long transitional protection lasts?

    Will I lose my ESA, DP SDP because of the UC PIP Bill recently passed?

    Milan Ghosh.

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 4,826 Championing
    https://forum.scope.org.uk/discussion/comment/1049419#Comment_1049419

    Transitional Protection lasts different lengths for everyone. Some people get more than others to start with.

    It will 'erode' every time benefits rates increase, or your housing costs increase, or you have certain other changes on UC.

    Eventually it will all erode and then you'll get the same rates as everyone else.

    SDP is not paid with UC. That is why you get Transitional Protection when migrating.

  • MadMilan2019
    MadMilan2019 Online Community Member Posts: 148 Empowering



    On Thursday, July 17, 2025 at 02:40:29 PM GMT+1, Welfare Rights <welfare.rights@leeds .gov.uk> wrote:

    Good afternoon

    Thank you for your email.

     

    The amount of Transitional Protection that someone receives differs depending on their circumstances when they migrate to Universal Credit. The aim of Transitional Protection is to make sure that the amount of Universal Credit you receive (at the point of migration) is the same as the amount of ESA and Housing Benefit that you received prior to migration.

     

    Like wise the length of time that the Transitional Protection will last, and how much it decreases by over time,  will depend on the type of circumstances each person has when they migrate to Universal Credit and if they have any change of circumstances (depending on the type of change) after claiming Universal Credit.

     

    There is no set way of working out how long your individual Transitional Protection will last because we do not know what or if any changes of circumstance you will have.

     

    The only online link we are aware of that explains this is the DWP link: Transitional protection if you receive a Migration Notice letter - GOV.UK.

     

    Thank you for your enquiry

    Regards

     

    Shefda Cattermoul

    Welfare Rights Worker

    Welfare Rights Unit | Leeds City Council

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