Checks on money going in and out of bank account?

lily84
lily84 Online Community Member Posts: 70 Contributor
edited March 2025 in Employment & Support Allowance (ESA)

Hi, ive read a few times now of people being queried by dwp about random amounts of money going in and out of their bank accounts, even small sums of £50 etc. Why do they do this if you are allowed savings upto £6,000. Do they question everything to do with your bank account now as it seems pretty intrusive doesn't it???

Just curious to know how it all works now

Comments

  • anisty
    anisty Online Community Member Posts: 865 Championing

    It is very intrusive but they are looking for hidden capital and you can imagine £50 being sent to a relative's account to save for you is going to add up over the years.

    So - regular payments going to other personal accounts with no good explanation (of course there might be a perfectly good explanation - they are just checking it's being spent and not stashed)

    That's it basically - as long as you're not moving money around accounts to hide it and save it up.

    Spend it all and you won't have an issue.

  • herrysmith
    herrysmith Online Community Member Posts: 1 Listener

    Checks on money in and out mean tracking income and expenses. From Experience ar First National of Germantown, reviewing statements weekly avoics surprises like spotting an auto-debit you forgot about.

  • johndory
    johndory Online Community Member Posts: 2 Listener

    does the £6,000 only aply to the claiment, what about their partner whose retired and not claiming anything????

  • WhatThe
    WhatThe Online Community Member, Scope Member Posts: 5,476 Championing
    https://forum.scope.org.uk/discussion/comment/1099883#Comment_1099883

    What does your US bank have to do with our DWP in the UK?

  • Kimi87
    Kimi87 Online Community Member Posts: 8,568 Championing
    https://forum.scope.org.uk/discussion/comment/1100539#Comment_1100539

    If you live with a partner then the UC claim will be a joint claim. The £6000 limit is per claim, so both people together.

    If you don't live with a partner, then the £6000 applies just to the claimant.

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