What are Child Benefit allowances?
Child Benefit is a regular government payment for families raising children. The weekly rate is higher for the eldest or only child and lower for each additional child. If you or your partner earn above a set threshold, you may have to repay some or all of it through the High Income Child Benefit Charge.
Who can claim
Most parents and guardians responsible for a child under 16 can claim, or under 20 if the child stays in approved education or training. Only one person can claim for each child, so couples should consider who would benefit from National Insurance credits towards their State Pension.
Higher incomes
If either partner has adjusted net income above £60,000, a tax charge may apply. Above £80,000, the charge equals the full amount of Child Benefit received. Claiming can still be worthwhile, as it may build State Pension credits and makes sure your child receives a National Insurance number before turning 16.
Rate per week
| 2026/27 (£) | |
|---|---|
| Eldest or only child | 27.05 |
| Other children | 17.90 |
Frequently Asked Questions
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When Does Child Benefit Stop?
Child Benefit usually stops on 31 August after your child turns 16, unless they stay in approved education or training. If they continue in full-time non-advanced education or approved training, payments can continue until they turn 20. You should tell HMRC when your child leaves education so that your payments are updated correctly.
What is the High Income Child Benefit Charge?
IThe High Income Child Benefit Charge is a tax charge that applies if you or your partner have adjusted net income above £60,000. The charge increases as income rises, so you may need to repay part of your Child Benefit. Once income reaches £80,000, the charge equals the full amount of Child Benefit received.
How do I Claim Child Benefit?
To make a new claim, complete form CH2 and send it to HMRC, along with your child’s birth certificate if requested. If you already receive Child Benefit and have another child, you can usually add them through your online HMRC account. Claiming as soon as possible matters, as backdating is limited.
Should I Claim if I Don’t Want the Money?
In most cases, yes, because claiming protects your National Insurance record even if you do not take the payments. You can opt out of receiving the money, which avoids the High Income Child Benefit Charge, while still keeping your claim active. This can secure State Pension credits for the claimant and ensures your child receives a National Insurance number before turning 16.
How is Child Benefit Paid?
Child Benefit is usually paid every four weeks directly into your bank or building society account. Some claimants, such as single parents or those receiving certain other benefits, may be able to ask for weekly payments. You can only be paid into one account, so make sure the details you give HMRC are accurate and up to date.
Can I Backdate my Child Benefit Claim?
Yes, HMRC can usually backdate a Child Benefit claim by up to three months from the date they receive your application. Claims made later than this normally lose the payments for the earlier period, so it is best not to delay. Make sure you send your CH2 form and supporting documents promptly after your child is born or joins your household.
How Do I Pay the High Income Child Benefit Charge?
If the charge applies to you, you can pay it by registering for Self Assessment and including the amount on your tax return. Alternatively, you can ask HMRC to collect it through your PAYE tax code, which reduces your take-home pay during the year. Using HMRC’s Child Benefit tax calculator can help you estimate the amount before you decide how to pay.
Do I Need to Tell HMRC If my Circumstances Change?
Yes, you must tell HMRC about changes such as your child leaving education, moving abroad, or living with someone else. You should also report changes to your relationship status, as this can affect who is entitled to claim and who may face the income charge. Reporting changes promptly helps you avoid overpayments, which HMRC may later ask you to repay.