My mate Sarah had a baby in 2026. She thought, “I earn £55,000, so there’s no point claiming.” For three years, she ignored it. Then her accountant told her about the pension credits trick. She claimed it all retroactively—backdated for three years! She got a lump sum of about £2,000 in her bank account, plus the credit for her pension. She used the money to buy a new washing machine and a fancy coffee machine. Now she makes flat whites while doing laundry. That’s a win.
Another friend, Steve, didn’t even know he could claim because his partner earned more than him. But anyone responsible for a child under 16 can apply. You don’t have to be the main earner. It’s not about who makes the bacon; it’s about who looks after the little sausages.
Who exactly should claim?
If you were born after 2011? Sorry, you’re too young to be a parent or guardian for this particular trick. But if you’re older than that, especially if you’re in your 30s, 40s, or 50s, pay attention. This applies to anyone with a child under 16 (or under 20 if they’re in approved education or training). Single parents, dual-income households, stay-at-home dads—everyone.
The best part? You don’t need a financial advisor or a fancy spreadsheet. You just need to log onto the government’s website, fill out a simple form, and wait. It’s easier than assembling flat-pack furniture, and way less frustrating.
HMRC says people born between two years may have £2,200 to claim
