Help with bills if you get benefits
Last reviewed: 16 October 2026.
Claiming what you are entitled to is the biggest step. These guides cover the smaller ones that can make the money go further: cheaper phone and broadband, cheaper travel, help with energy and water bills, and free advice if you are behind.
Each guide starts with the official and free routes. Where a page includes a link to a company that pays us a commission, it is labelled “Ad” and comes after the neutral information. Nothing on these pages is chosen from your answers to the eligibility check.
Guides
Broadband social tariffs
What a broadband social tariff is, which benefits usually qualify, how to apply, and where to find the current list of providers.
Mobile social tariffs and cheap SIM-only plans
Cheaper mobile if you get benefits: social tariffs such as VOXI For Now, free data schemes, and SIM-only plans with no contract.
Cheaper travel: bus passes and railcards
Free or cheaper bus travel for older and disabled people in England, Scotland, Wales and Northern Ireland, and the Senior and Disabled Persons Railcards.
Help with energy bills
Warm Home Discount, Winter Fuel Payment, Cold Weather Payment, supplier hardship funds and what to do if you cannot switch supplier.
Help with water bills
How to get your water bill reduced if you are on a low income or a benefit: company social tariffs, WaterSure, and where to get free help.
Free debt advice
Free, independent debt advice from StepChange, National Debtline, Citizens Advice and MoneyHelper, and what Breathing Space can do.
Energy-saving grants
If you get a means-tested benefit you may also qualify for help with insulation or heating. Our sister site, run by the same company, Home Energy Planner, explains the grants.
Official sources
This is independent guidance, not financial advice. How we make money · Editorial policy