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Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment

    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children

    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health

    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension

    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job

    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income

    Problems with benefits

    What to do if something goes wrong with your benefits

    Benefits

    All Benefits guidance

    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments

    How to choose, use and manage bank accounts

    Budgeting

    How to budget, find the best deals and switch to save money

    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs

    Credit

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Everyday money

    All Everyday money guidance

    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates

    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups

    Illness and disability

    Managing costs, extra financial support, help with work or study

    Long-term care

    Paying and getting funding, ways to pay, problems with care

    Student and graduate money

    Credit cards, bank accounts, student debts

    Talk money

    Difficult conversations, talking to teenagers, older people and partners

    Family & care

    All Family & care guidance

    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

    Homes

    All Homes guidance

    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss

    Dealing with debt

    Bills, court fines, help with debts

    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out

    Money troubles

    All Money troubles guidance

    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment

    Introduction, how it works, all about contributions

    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging

    Pension basics

    Starting a pension, types of pension, understanding pensions

    Pension problems

    Complaints, financial help when retired, changes to schemes

    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief

    Pensions and retirement

    All guidance, including how to use the Pension Wise service

    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing

    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance

    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay

    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance

    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home
Cymraeg
  1. Home
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About us

Cookie policy

What’s in this guide

  • What are cookies?
  • How can I control my cookies?
  • What type of cookies do we use?
  • Other useful information

What are cookies?

A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. Cookies are used by many websites and can do a number of things, such as remembering your preferences, recording what you have put in your shopping basket, and counting the number of people looking at a website.

First-party cookies

First-party cookies are set by the website you are visiting, and they can only be read by that site.

Third-party cookies

Third-party cookies are set by a different organisation to the owner of the website you are visiting. For example, the website might use a third-party analytics company who will set their own cookie to perform this service. The website you are visiting may also contain content embedded from, for example, YouTube, and these sites may set their own cookies.

More significantly, a website might use a third-party advertising network to deliver targeted advertising on their website. These may also have the capability to track your browsing across different sites. It is important to note that advertising cookies are not set for visitors to the Money and Pensions Service websites (MoneyHelper, Financial Capability Strategy for the UK, Pensions Dashboard Programme and the Standard Financial statement).

Session cookies

Session cookies are stored only temporarily during a browsing session and are deleted from the user’s device when the browser is closed.

Persistent cookies

This type of cookie is saved on your computer for a fixed period (usually a year or longer) and is not deleted when the browser is closed. Persistent cookies are used where we need to know who you are for more than one browsing session. For example, we use this type of cookie to store your preferences, so that they are remembered for the next visit.

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How can I control my cookies?

You can change your cookie preferences at any time. Alternatively, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org

Browser controls

You can use your web browser (e.g. Internet Explorer) to:

  • delete all cookies

  • block all cookies

  • allow all cookies 

  • block third-party cookies

  • clear all cookies when you close the browser

  • open a ‘private browsing’ session, and

  • install add-ons and plug-ins to extend browser functionality. 

Where to find information about controlling cookies

Browser Guidance

Internet Explorer

Microsoft help – How to delete cookie files in Internet Explorer

Chrome 

Chrome help – Manage cookies

Firefox 

Firefox help – Give certain websites the ability to store passwords, set cookies and more

Safari

Safari 5.1 (OS X Lion): Manage cookies

Opera 

Opera browser – Cookie tips

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What type of cookies do we use?

First-party cookies

We use a number of cookies to support site functionality, and to analyse and compare who visits our sites and which sort of device they use. From this, we can design better services and visitor experiences. The following table shows the cookies we use, their use, when they expire and their category:

Cookie name Use Typical content Expiry

public-website_session

Session identifier

BAh7CEkiD3Nlc3Npb25faWQGOgZFRkkiJWY4MGQwN2Y5ZjNiZjBhZjNkMjYxZmExNjk0MDAzZmM0BjsAVEkiE3VzZXJfcmV0dXJuX3RvBjsARiIgL2VuL2FydGljbGVzL21hbmFnaW5nLW1vbmV5SSIQX2NzcmZfdG9rZW4GOwBGSSIxQ0s1Qmc4dGd1dzFDTVVxYUdXNklFUk5QaURFVkdoSlJ2ellQczlqVnhJQT0GOwBG–21c1ddf4e19d067dcb 30de32de40ea456ea1d9b5

Session

_web_tracking

Session identifier (cross session) sent to IPS for user tracking

b9f1f00ec4c8a00d47d0b133c9cf63bf

1 year

_jid

Session identifier

1335776339539805355

Session

Cookietest

Tells the health check whether you have cookies and Javascript enabled in your browser

true

Session

js_enabled

Tells the health check whether you have cookies and Javascript enabled in your browser

true

Session

HasClickedExternalLink

Tells the health check if you have clicked on an external link. This is so we can warn you if you are leaving our website

Session

qHistory_temp

Temporarily remembers the answers to your questions while you are using the health check and allows us to give you your action plan. This cookie is automatically deleted, so no-one else can see the answers you gave

17032

20120628

False#Q0A

17033

HAPPY

20120628

17036#

Session

ActionPlanState

Remember which parts of your action plan are currently expanded so if you register and come back to the health check later on it will be as you left it

30 day 

cm_vid

Helps us track the effectiveness of our campaign advertising. They allow us to understand what visitors want to use and not to use, so we can improve the service you receive

Session

cm_medium

Helps us track the effectiveness of our campaign advertising. They allow us to understand what visitors want to use and not to use, so we can improve the service you receive

Session

cm_sid

Helps us track the effectiveness of our campaign advertising. They allow us to understand what visitors want to use and not to use, so we can improve the service you receive

Session

cd_campid

Help us track the effectiveness of our campaign advertising. They allow us to understand what visitors want to use and not to use, so we can improve the service you receive

Session

cm_mid

Help us track the effectiveness of our campaign advertising. They allow us to understand what visitors want to use and not to use, so we can improve the service you receive

Session

_cookie_notice

Stores that you have been presented with the cookie notice

y

1 day

_cookie_dismiss_newsletter (Inactive)

Indicates whether the sticky newsletter footer should be displayed or not. (Inactive)

hide

1 month

(Inactive)

_cookie_submit_newsletter (Inactive)

Indicates whether the sticky newsletter footer should be displayed or not. (Inactive)

hide

Permanent (30 years) (Inactive)

UZ_TI_dc_value

Saves a message to remember if you’ve taken a survey or dismissed it

Session

UZ_TI_S_{id}

Identifies a survey you have been shown

Session

seen_cookie_message

Saves a message to let us know that you have seen our cookie message

1 month

_cfduid

Overrides security settings if your machine is trusted

Session

WT_FPC

Cookie set by WebTrends analytics service, used to track and report on visitor behaviour on a site for performance improvement

1 year

utmz

This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour measure of site performance.

6 months 

__atuvc

This cookie is associated with the AddThis social sharing widget which is commonly embedded in websites to enable visitors to share content with a range of networking and sharing platforms. It stores an updated page share count.

2 years

tpas-accessibility-questionnaire

Permanent

AMCV_{ORG_ID} 

 

AMCVS_{ORG_ID}

As part of our cookie policy, we use visitor IDs to enhance your experience on our Site. A visitor ID is a unique identifier assigned to each visitor, allowing us to track interactions and improve our services.

79643557%7CMCMID%7C15283036322057788904547653814259082153%7CMCAAMLH-1729851605%7C6%7CMCAAMB-1729851605%7CRKhpRz8krg2tLO6pguXWp5olkAcUniQYPHaMWWgdJ3xzPWQmdj0y%7CMCOPTOUT-1729254005s%7CNONE%7CMCAID%7CNONE%7CvVersion%7C5.5.0

Up to 2 years

Third-party cookies

We use a number of cookies to support site functionality, and to analyse and compare who visits our sites and which sort of device they use. From this, we can design better services and visitor experiences. The following table shows the cookies we use, their use, when they expire and their category:

Cookie name Use Typical content Expiry

JSESSIONID

.nr-data.net

Used to track anonymous user sessions.

Never

AMP_TOKEN

Google Analytics

Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, in-flight request or an error retrieving a Client ID from AMP Client ID service.

30 seconds to 1 year

_ga

Google Analytics 

This helps us count how many people visit the site by tracking if you’ve visited before.

2 years

_gid

Google Analytics

This helps us count how many people visit the site by tracking if you’ve visited before.

24 hours

_gat

Google Analytics

Used to manage the rate at which page view requests are made.

2018-11-19T13:00:53.000Z

__utmb

Google Analytics

Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.

30 mins from set/update

__utma

Google Analytics

Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing utma cookies exists. The cookie is updated every time data is sent to Google Analytics.

2 years from set/update

__utmv

Google Analytics

Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

2 years from set/update

__utmt

Google Analytics

Used to throttle request rate.

10 minutes

engaged

Google Analytics

Never

ajs_anonymous_id

Hotjar

Counts how many people visit the site by tracking if you have visited before.

1 year

_hjDonePolls

Hotjar

This cookie is set once a visitor completes a poll using the Feedback Poll widget. It is used to ensure that the same poll does not re-appear if it has already been filled in.

365 days

_hjClosedSurveyInvites

Hotjar

This cookie is set once a visitor interacts with a Survey invitation modal popup. It is used to ensure that the same invite does not re-appear if it has already been shown.

365 days

_hjMinimizedPolls

Hotjar

This cookie is set once a visitor minimizes a Feedback Poll widget. It is used to ensure that the widget stays minimizes when the visitor navigates through your site.

365 days

_hjMinimizedTestersWidgets

Hotjar

This cookie is set once a visitor minimizes a Recruit User Testers widget. It is used to ensure that the widget stays minimizes when the visitor navigates through your site.

365 days

_hjDoneTestersWidgets

Hotjar

This cookie is set once a visitor submits their information in the Recruit User Testers widget. It is used to ensure that the same form does not re-appear if it has already been filled in.

365 days

_hjIncludedInSample

Hotjar

This session cookie is set to let Hotjar know whether that visitor is included in the sample which is used to generate funnels.

365 days

_hjShownFeedbackMessage

Hotjar

This cookie is set when a visitor minimizes or completes Incoming Feedback. This is done so that the Incoming Feedback will load as minimized immediately if they navigate to another page where it is set to show.

365 days

iz_uh_ps

Informizely

History data is stored in the persistent cookie.

365 days

 

iz_sd_ss

Informizely

Session data is stored in the session cookie.

2019-11-19T12:54:26.000Z

iz_uh_ps and_iz_sd_ss_

Informizely

The Informizely’s survey widget stores anonymous data about a visitor that is needed for making decisions about when to show a survey, like the number of site visits and survey views. History data is stored in the persistent cookie “iz_uh_ps” and session data is stored in the session cookie “iz_sd_ss”.

Never

ajs_anonymous_id

New Relic

Counts how many people visit the site by tracking if you have visited before.

1 year

jessionid

New Relic

Used to store a session identifier so that New Relic can monitor session counts for an application.

Never

OptanonAlertBoxClosed

Optimizely

It enables the website not to show a specific message more than once to a user.

1 year

OptanonConsent

Optimizely

Enables prevention of cookies in each category from being set in the user’s browser, when consent is not given.

1 year

optimizelyBuckets

Optimizely

Used to store the page variants assigned to a user for A/B performance testing, to ensure the user gets a consistent experience.

6 months

optimizelySegments

Optimizely

Holds audience segmentation information for a visitor.

6 months

optimizelyEndUserId

Optimizely

This cookie is a unique user identifier.

6 months

optimizelyPendingLogEvents

Optimizely

Used as a cache of a user’s actions between tracking calls. When the tracking call is made the cookie will be wiped.

7 months

whoson

Whoson

Enables websites to engage with visitors via text-based chat whilst they are on the site.

31/12/2020

CONSENT

YouTube

These cookies allow YouTube to collect usage information for YouTube hosted videos.

20 years

GPS

YouTube

These cookies allow YouTube to collect usage information for YouTube hosted videos.

1 day

PREF

YouTube

These cookies allow YouTube to collect usage information for YouTube hosted videos.

2 days

VISITOR_INFO1_LIVE

YouTube

Allow YouTube to collect usage information for YouTube hosted videos used to collect anonymous statistics and performance data for embedded YouTube videos on our website.

6 months

YSC

YouTube

These cookies allow YouTube to collect usage information for YouTube hosted videos.

Never

We use a number of suppliers who may also set cookies on their websites on its behalf. The Money and Pensions Service or organisations within this group do not control the dissemination of these cookies. You should check the third-party websites for more information about these.

If you want us to stop using personal information we’ve collected via cookies on our websites, you should change your cookie settings. In some cases, we might decide to keep information, even if you ask us not to. This could be for legal or regulatory reasons, so that we can keep providing our products and services.  We will always tell you why we keep the information. 

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Other useful information

A number of websites provide detailed information on cookies, including: 

  • AllAboutCookies.org and  What are cookies.com

  • The Internet Advertising Bureau website  Your Online Choices allows you to install opt-out cookies across different advertising networks. 

  • Google has developed a browser add-on to allow users to  opt out of Google Analytics across all websites which use this popular analytics product. 

  • New technologies such as Mozilla’s  Do Not Track allow you to tell websites not to track you. 

  • Internet Explorer has a feature called  Tracking Protection Lists  which allows you to import a list of websites you want to block. 

  • You can also find more information on  Wikipedia

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About us

Privacy and legal

  • Terms and conditions
  • Privacy notice
  • How we use cookies
  • Subject access requests
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Privacy and legal

  • Terms and conditions
  • Privacy notice
  • How we use cookies
  • Subject access requests
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Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
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Talk to us live for pensions guidance using the telephone
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool
  • From overseas: +44 20 7932 5780
  • For self-employed: 0345 602 7021*
Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Talk to us live for money guidance using the telephone
  • Welsh: 0800 138 0555*
  • Typetalk: 18001 0800 915 4622*
  • From overseas: +44 20 3553 2279
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
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Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
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Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

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Talk to us for money guidance using our web form

We aim to respond within 5 working days

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Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.

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