Child Benefit
Who can get it and how much you get, plus how to claim
Child Benefit is a monthly payment for anyone with parental responsibilities for children under the age of 16 (or up to 20 in full-time education). It's worth claiming as it can be worth over £17,000 (or more if you've two or more children). We've full detail on how it works, how to claim, and what happens to the Child Benefit payment if you or your partner earn more than £50,000 a year.
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What is Child Benefit?

Child Benefit is the Government's way of acknowledging the costs involved in raising a child. It's paid monthly to anyone responsible for children under the age of 16 (or under 20 if they stay in certain full-time education or unpaid training).
Who can get it?
If you (or your partner) earn £50,000 a year or under, you can claim the full entitlement of Child Benefit if the child you're applying for lives with you, or if you're paying at least the same weekly amount as the benefit towards looking after them. For example, you might pay for clothes, food, pocket money or birthday and Christmas gifts. It includes grandparents, adoptive parents and some foster parents.
Earn more than £50,000? You can still claim Child Benefit, but you might have to pay some or all of it back – see more info on this if you earn over £50,000.
If two people are responsible for the same child, only one will get the payment. Parents can decide between themselves who receives it – otherwise, HM Revenue & Customs (HMRC) will decide. HMRC will give the Child Benefit to the parent the child lives with the most.
When can I claim Child Benefit?
You can claim Child Benefit as soon as you've registered the birth or the child has come to live with you. It can take up to 16 weeks to process your claim and can only be backdated three months.
What happens when my child turns 16?

You may still be able to claim Child Benefit even after your child turns 16, provided they remain in approved full-time education or unpaid training. However, this ISN'T automatic.
When your child turns 16, HMRC will send you a letter asking if they're still in full-time education. You'll need to reply, or let HMRC know online, before 31 August after your child's 16th birthday to keep getting your Child Benefit payments.
Approved education includes A-levels, NVQs and home education, but not a university degree or BTEC Higher National Certificate qualifications. Approved training should be unpaid, and includes traineeships, but not training that is part of a job contract.
Once your child's approved education or training comes to an end, benefit payments will come to an automatic stop, at the end of February, May, August or November (whichever is soonest).
You can also get Child Benefit for an extra 20 weeks in some circumstances (for example, if your child joins the armed forces or registers with their local careers service).
Claiming Child Benefit can boost your national insurance contributions
By claiming Child Benefit, you will also earn national insurance (NI) credits, which count towards your state pension. You need NI credits to receive the full state pension, so this is especially important if one of you is a non-earner or earns less than £123 a week (the amount you need to earn before you qualify for NI credits automatically).
If you're not working, or you're earning under £123 a week, claiming Child Benefit essentially lets you earn NI credits you wouldn't otherwise have earned. If both parents are working, it can also be a useful way for grandparents who have contributed to childcare to fill in any gaps in their NI record too – see our grandparents' childcare credit guide.
HMRC reckons 200,000 parents are losing out on credits because the partner with a higher income is registered for Child Benefit, and they haven't applied to transfer the credits over. We explain how to check your NI record in our NI contributions guide. Or, apply here to transfer NI credits to your partner.
How much is Child Benefit?

There are two weekly Child Benefit rates:
- For a first-born or only child: £24.00
- For additional children: £15.90 per child
This applies even for a multiple birth, so if you have twins born within minutes of each other, you'll still get different amounts for them.
If you've a bigger brood, the individual amount you get for your second and subsequent children will be lower, but the total will be higher.
You'll usually be paid every four weeks, on a Monday or Tuesday, and the whole amount must go into the same account. It can't be split between parents.
While it may not look like a lot of money broken down, it adds up. If you claim for one child until they're 16, you'll get more than £17,000 over their childhood.
How do I claim Child Benefit?
You can claim Child Benefit as soon as you've registered the birth of your child, or a child comes to live with you if you're adopting or fostering.
You'll have to fill in the 'CH2' form and send it to the Child Benefit office. You can find the address on the form, which you can download from Gov.uk.
If you adopted your child, you need to send their original adoption certificate with the form. If you've lost it, you can order a new one.
If your child's birth was registered in Northern Ireland or outside the UK, you'll need to provide your child's original birth certificate. If you've lost the birth certificate, you can order a new one. If the birth was registered outside the UK, you'll also need to provide the passport used for your child to enter the UK.
You can claim at any age
If you didn't claim Child Benefit when your child was born – either because you earned too much, or you didn't realise you were eligible – it's not too late. You can apply at any age up until 16 (or up to 20 if your child is in qualifying full-time education), following the process above.
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Income of £50,000+? Here's what you need to know

If you (or your partner) earn more than £50,000 a year, you will still get the full amount of Child Benefit, but you will have to pay some of it back. This is known as the 'high income Child Benefit tax charge'.
- How do I know if I'll have to pay back some of the Child Benefit? To work out how much you will have to pay back, you need to work out your 'adjusted net income'. This is your total taxable income before any personal allowances and less certain tax reliefs.
So you need to include things such as:
- Salary
- Profits if you're self-employed
- Rental income
- Some state benefits
And then deduct things such as:
- Pension contributions (more on this below)
- Trading losses, for example, trade loss relief or property loss relief
- Gift Aid donations
If you're not sure if you're liable to pay the tax charge or think you will but not sure how much, use the Government's Child Benefit Tax Calculator to see if, and how much, you have to pay.
- How much will I have to pay back? It is tapered, so the more you earn over £50,000 a year, the more you need to pay back.
- For every £100 you receive above £50,000, you need to pay back 1% of the maximum amount of Child Benefit you're entitled to. So, if you earn £55,000 a year, you'll pay back 50%.
- Once you hit £60,000 a year, the charge you'll pay back is 100% of your entitlement, meaning you won't get any benefit.
- How do I pay it? If you or your partner, or both of you, receive an annual income above £50,000, the one getting the most MUST fill in a self-assessment tax return – even if you're already paying tax via your employer in the pay-as-you-earn system.
You'll have to register for self-assessment and send in a tax return every year. If you're not sure you've enough income to pay the charge, it's probably a good idea to register anyway. If you do need to pay the charge, and don't file a tax return, you could be fined up to 30% of what you owe by HMRC.
If you're claiming and worry you may need to pay the tax charge, you could keep the money in a separate savings account. That way, you'll be covered if you need to pay the charge and anything you get to keep is a bonus. You'll also earn interest on the money. See our Top savings accounts guide for more details.
Unsure if you'll fall foul of the charge? Get in touch with HMRC
If you've had a change of circumstance, or you're unsure whether you're eligible for Child Benefit or liable for the high income benefit charge, get in touch with HMRC directly on 0300 200 3100.
If you don't know if your partner is receiving Child Benefit, or has a higher adjusted income than you, for example, because you live apart or have separated, you can write to HMRC and ask. It will just tell you "yes" or "no" – you won't get any financial details. You can only do this for a former partner if your relationship ended within a year of the tax year you want information for.

Can I avoid paying the high income Child Benefit charge?
If your income is above £50,000 a year, you might still be able to swerve the charge. That's because it's based on your 'adjusted net income' (your total taxable income minus certain tax reliefs – for example, pension contributions and Gift Aid charity donations). So, if you pay any tax-deductible expenses, these might take you below the threshold, or at least reduce how much you may have to pay back.
The main way you can minimise the charge is by upping your pension contributions. However, before considering doing this, see if your current pension contributions might already take your adjusted pay below £50,000. For example, if you're on £52,000 a year and contribute 5% of your salary into your pension, you won't have to pay any charge.
ALL types of pension can help to reduce your 'adjusted net income', and therefore the amount you'd be liable to pay. This includes self-invested personal pensions, any additional voluntary contributions as well as any other contributions to workplace or personal pensions (and it doesn't matter if you were auto-enrolled or not). It does NOT include Lifetime ISAs, however, as they're not strictly pensions.
How you calculate how much pension contribution to take away depends on whether it's going from your before-tax or after-tax pay:
- Employer pension scheme: If it goes straight from your before-tax ('gross') pay into a pension, for example an employer pension scheme, you can deduct that same gross amount. Usually the figure on your P60 will already reflect the deduction and is the amount to enter in the adjusted net income calculation with no further deduction.
- Personal pension: If it comes out of your after-tax ('net') pay, for example if you have a personal pension, you can deduct more – £100 for every £80 you pay in if you pay tax at 20%, and £133 for every £80 you pay in if you pay tax at 40%.
Here's an example...
Peter earns £52,000 a year, but 7% of his pre-tax income (£3,640) is used to make pension contributions. To see if Peter needs to pay the tax charge, we need to deduct £3,640 from his actual salary – leaving £48,360. In this case, Peter's pension contributions take him below the threshold, so he won't need to pay the tax charge.
If Peter wasn't making any pension contributions, he'd have to pay the charge, as his before-tax income would be over the threshold.
If your income is £60,000+, it's still worth registering for Child Benefit
If you or your partner have an income of £60,000 or more, it's still worthwhile filling in the Child Benefit form and registering your entitlement – even if you opt out of actually receiving the benefit itself. Doing so has a couple of advantages:
- You'll get national insurance (NI) credits, which count towards your state pension. Most need at least 35 years' worth of NI credits to receive the full state pension, so this is especially important if one of you is a non-earner or makes less than £123 a week (which is how much you need to earn to qualify for automatic NI credits).
- It will ensure your child is registered to receive a NI number shortly before they turn 16.
Child Benefit FAQs
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