Simple Payment Service

Last updated on 8 Oct 2014

The Simple Payment service is for people claiming benefits who are unable to use a bank accounts account or a Post Office card account. It is not for people who already have an account or would be able to open one. Benefits are no longer paid by cheque. The Simple Payment Service replaced payment by cheque.

How do I receive the Simple Payment Service?

If you are unable to use a bank account the DWP will send you a Simple Payment card and a welcome pack which will explain how the service works and provide contact details should you need additional support.


When do I receive my money using the Simple Payment Service?

You will still get your benefit, pension or child maintenance on your normal pay day, but now without waiting for the payment to arrive by post.

Urgent and one-off payments will also be available through the Simple Payment Service. You will be allocated a Simple e-Payment 10-digit number which allows you to access your payment at a PayPoint outlet. You can receive your Simple e-Payment number by phone, SMS, email or print-outs if you visit the benefits office.


How do I use the Simple Payment Card?

The Simple Payment Card is reusable and allows you to collect your payments in cash at any PayPoint outlet that displays the Simple Payment sign, such as local newsagents, convenience stores or supermarkets. To find your nearest PayPoint Outlet please visit the PayPoint website www.paypoint.co.uk

The card does not have any financial value itself and does not hold any personal details about you.


How do I collect my money?

When you visit a PayPoint outlet that displays the Simple Payment sign, you will need to bring along three things:
  • your Simple Payment card
  • your memorable date (this will be your date of birth to begin with, but you can change this to another memorable date)
  • proof of identification (such as your passport or a utility bill that is less than three months old).

If you do not have one of the forms of identification that are listed in the Simple Payments Welcome Pack you receive, you can contact the office that pays your benefit or pension and they will give you a letter which you can use instead.


What if I don't want to use the Simple Payment Service?

People who want to continue using the Post Office to collect their money will still be able to do so by opening (or using) one of the current or basic bank accounts that are available from Post Office branches, or by using the Post Office card account. For more information please visit the Post Office Website www.postoffice.co.uk

What if someone else collects my money on my behalf?

If someone else, such as a carer or a family member, collects your money for you they can continue to do so.
  • Regular Carers: If a regular carer or family member collects your payments for you, you will be given an additional card. The carer can then collect the payment by presenting their own card, proof of ID and memorable date.
  • Multiple Carers: If you have more than one carer who collects your money for you then no additional card is needed. You will give your card, proof of ID and your memorable date to the person who is collecting your payment that day. Your carer will then present your card (and memorable date and appropriate ID) at the PayPoint outlet, along with their own ID, to collect your payment for you.

Help I've lost my Simple Payment Card

Contact the Simple Payment Service as soon as possible to report your lost or stolen card, 24 hours a day.  Your card will be blocked and you’ll be sent a new one. You won’t miss out on any of your payments. Depending on your circumstances, you might also be able to get immediate access to your payment if you need to.


The Benefits of using the Simple Payment Service

  • It offers the same flexibility and level of service for you and carers as the cheque system previously did
  • PayPoint Outlets have longer opening hours and so there is more flexibility about when you can collect your money
  • There are options available if you would prefer to use the Post Office
  • Your money can be collected from any PayPoint outlets displaying the Simple Payment sign

Where can I get benefits advice?

You can talk to someone the benefits you may be entitled to at an independent advice service such as

As an older person, finding out which benefits you may be entitled to, and the impact they may have on other benefits, is not always straightforward. There is a huge amount of information available about benefits, but this can be overwhelming or confusing. We would always advise you to seek advice from an independent advice service, who will be able to look at your individual situation and guide you through the applications process.


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