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Child Benefits

What Is Child Benefit in the UK? A Plain-English Explanation

A plain-English explanation of UK Child Benefit — what it is, who gets it, how much it pays in 2026/27, and how the High Income Charge works. Verified against GOV.UK.

Published: April 2, 2026

What Is Child Benefit in the UK?

Last verified: 2 April 2026 | Source: GOV.UK / HMRC

Child Benefit is a regular payment from HM Revenue and Customs (HMRC) to parents or guardians who are responsible for a child under 16 (or under 20 if they stay in approved education or unpaid training).

It is one of the most widely claimed family payments in the UK — and it is available to almost every family, regardless of income or employment status.

How Much Is Child Benefit?

From 6 April 2026 (2026/27 tax year), the rates confirmed by GOV.UK are:

ChildWeekly RateAnnual Amount
Eldest or only child£27.05£1,406.60
Each additional child£17.90£930.80

Payments are made every four weeks directly into your bank account. The schedule is set when you first register.

Examples:

  • 1 child → £1,406.60/year
  • 2 children → £2,337.40/year
  • 3 children → £3,268.20/year

Who Can Get Child Benefit?

You can claim if:

  • You are responsible for a child — they live with you, or you contribute to their upkeep
  • The child is under 16, OR under 20 and in approved full-time education or training (A-levels, T-levels, NVQs up to level 3, traineeships)
  • You live in the UK
  • Only one person can claim per child

There is no income test to receive the payment, and no employment requirement. However, high earners may need to repay some of it through the High Income Charge (see below).

The High Income Child Benefit Charge (HICBC)

If anyone in your household has an adjusted net income above £60,000, the benefit is subject to a clawback charge:

  • £60,000–£80,000: The charge reduces the benefit by 1% for every £200 of income above £60,000
  • Above £80,000: The full amount must be repaid through self-assessment

Important: Even if you will repay 100% through the charge, it is still worth claiming. Claiming builds National Insurance credits for non-working partners, which count toward the State Pension. These credits cannot be recovered retroactively.

How to Claim

You can claim:

  • Online — through your HMRC online account or the HMRC app
  • By post — complete form CH2 and send it to the HMRC Child Benefit Office with your child's birth certificate
  • By phone — call 0300 200 3100

Claims can be backdated up to 16 weeks. Claim as early as possible after the child's birth.

What Child Benefit Is Not

Child Benefit is not:

  • Universal Credit (a separate means-tested benefit)
  • Child Tax Credit (a legacy benefit now largely replaced by Universal Credit)
  • The child element of Universal Credit (a separate amount within UC for families with children)

All of these can potentially be received at the same time, but they are separate programmes with separate eligibility rules.

Use the Calculator

Our Child Benefits Calculator lets you estimate your weekly and annual Child Benefit entitlement for the UK, as well as comparing to child benefit programmes in the USA, Canada and Australia.


All rates verified against GOV.UK, April 2026. Rates are reviewed annually, usually in April.

Frequently Asked Questions

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Important: This calculator provides general estimates for informational purposes only. Results are not medical, legal or financial advice. Always consult a qualified professional — such as a doctor, midwife, dietitian or financial adviser — before making decisions based on these results.