How to Exchange Leftover Foreign Currency for Cash

Sponsored by Cash4Coins

The £90 hiding in your drawers: turn forgotten holiday money into Christmas cash

There could be money hiding in your home, and it is not down the back of the sofa. From leftover euros and US dollars to old pound coins and foreign banknotes you thought were worthless, here’s how to turn forgotten currency into extra cash for Christmas.

Christmas is expensive enough without having to find extra money for presents, food, school discos and the inevitable last-minute Secret Santa. But before you start cutting back, there is one surprisingly simple place worth looking for some extra cash: your kitchen drawer.

You know the one. It contains old batteries, takeaway menus, a mysterious key and probably a handful of euros from a holiday five years ago. Perhaps there are some Thai baht in an old handbag, a few American dollars in a suitcase or even Grandad’s collection of old French francs.

Most of us treat leftover holiday money as souvenirs rather than actual cash. However, some of those forgotten coins and notes can still be exchanged for pounds, including currencies that are no longer in circulation.

Could you have £93 sitting in a drawer?

Research published by M&S Bank in September 2023 found that British households had an average of £93.44 in unused foreign currency.

The research suggested that almost £2 billion was gathering dust in homes across the UK, while only 34% of respondents said they always exchanged their leftover holiday money when they returned home.

Source: M&S Bank foreign currency research, September 2023. These are historical survey findings, not a guarantee of how much money any household will find.

How to find forgotten money around your home

Before you can exchange your leftover currency, you need to find it. Set aside half an hour for a proper rummage, and get the family involved.

Start with kitchen drawers, old handbags, coat pockets and bedside cabinets. Then check suitcases, travel wallets, gloveboxes, money jars and those boxes of belongings that have been sitting in the loft for years.

If the children are helping, you could even offer a small finder’s fee. It is amazing how quickly forgotten coins appear when there is a reward involved.

What old currency could be worth money?

Current foreign currency: Euros, US dollars, Thai baht, Turkish lira and other coins or banknotes left over from holidays.

Pre-euro money: French francs, Spanish pesetas, Italian lire, German Deutschmarks and Irish pounds.

Old British currency: Withdrawn round £1 coins, old paper banknotes and pre-decimal coins such as shillings and half crowns.

Unusual or damaged currency: Some withdrawn, worn or damaged notes and coins may also be accepted by specialist services.

Important: Not every old coin has an exchange value. Some currencies may only be worth their metal or collector value, while others may not be worth processing at all.

Where can you exchange leftover foreign coins in the UK?

Foreign coins, obsolete currency and mixed collections can be difficult to exchange through ordinary travel money channels. Fortunately, there are specialist UK services that deal with precisely this problem.

Two services worth investigating are We Buy All Currency and Cash4Coins. Both are operated by Coin and Note Sales Ltd.

1. We Buy All Currency: get an online valuation for old coins and notes

If you have a collection of recognisable currencies, We Buy All Currency is a straightforward place to start.

The service buys current and withdrawn foreign currency, old British and Irish money, pre-decimal coins and pre-euro banknotes. Rather than trying to work out the value yourself, you can begin the process online.

How it works

Step 1: Visit the website and select the currency you want to exchange.

Step 2: Enter the amount to see the published exchange rate and indicative value.

Step 3: Follow the instructions, package your currency securely and post it to the company.

Step 4: Once the currency has been received and checked, the company aims to process payment within five working days.

Payment is available by bank transfer or PayPal. The company advertises no hidden exchange charges and says it will return currency free of charge if you reject its final offer.

Remember: Check the quoted rate and postage cost before sending anything. The amount you receive may be lower than the currency’s face value converted at the headline exchange rate.

Check the value of your leftover currency

2. Cash4Coins: exchange a mixed jar of foreign coins without sorting it

Perhaps you have a jam jar containing 14 different currencies, half of which you cannot identify. The idea of separating and counting them is enough to send the whole lot straight back into the cupboard.

That is where Cash4Coins comes in.

The company specialises in mixed foreign coins and banknotes, including withdrawn and obsolete currencies. You do not have to identify every coin or spend an evening organising them into piles.

How to exchange a jar of mixed currency

1. Weigh your collection. Use your kitchen scales to find out roughly how much you have.

2. Complete the online form. Cash4Coins provides instructions for sending your currency according to its weight.

3. Send your parcel. Smaller parcels can be posted, while collection options are available for larger quantities. Check any shipping or collection charges.

4. Receive a valuation. The company sorts and assesses the currency before emailing you an offer.

5. Accept the offer. Payment is normally made within 48 business hours of acceptance, subject to the company’s stated payment hours.

Processing time: Cash4Coins quotes 7–31 days, depending on the volume and type of currency.

Minimum quantities: Check the current minimum weight requirements for mixed coins before sending a parcel. Banknote-only collections may have different requirements.

Exchange your mixed foreign coins

Want the money before Christmas? Don’t leave it too late

Cash4Coins can take up to 31 days to process a collection, before payment and postage time are considered.

If you are hoping to use the money for Christmas shopping, start in November rather than waiting until December. Even then, payment before Christmas cannot be guaranteed.

Where to sell euros, US dollars and other foreign currency in the UK

Some foreign currencies are much easier to exchange than others. If you have leftover euros or American dollars, the value of your collection will depend on whether you have banknotes, coins or a mixture of both.

Here is what to do with some of the most common currencies found in British homes.

Where can I exchange euro coins and notes?

If you have leftover euros from a holiday in Spain, France, Greece or elsewhere in the eurozone, check whether you have coins or banknotes.

Euro banknotes: These are generally easier to exchange than coins, particularly in larger denominations.

Euro coins: Specialist services can buy euro coins, including 1 cent, 2 cent, 50 cent, €1 and €2 coins.

We Buy All Currency buys euro coins and notes, so you can check the available rate before posting your collection.

It is worth comparing the amount offered against what you would receive by keeping the euros for another holiday.

Where can I sell leftover US dollars?

American dollars are among the most recognisable foreign currencies found in British homes, particularly if you have $10, $20, $50 or $100 banknotes left over from a trip.

For smaller denominations and US coins, including cents, nickels, dimes and quarters, a specialist service may be particularly useful.

Cash4Coins accepts US dollar coins and banknotes, including mixed collections.

Remember that low-value coins may attract a much lower exchange rate because of the cost of sorting and transporting them.

Can I exchange Turkish lira and Thai baht in the UK?

Yes. Current Turkish lira and Thai baht banknotes can often be exchanged in the UK, although acceptance depends on the denomination and condition.

If you have leftover Turkish or Thai coins, you may need a specialist currency exchange company instead.

Both currencies have undergone changes over the years, so check whether your notes and coins are still in circulation.

You can start by checking We Buy All Currency to see whether your particular notes or coins are accepted.

Can I sell old Spanish pesetas, French francs and Italian lire?

Finding old European money in a drawer can be surprisingly exciting, especially if it has been sitting there since before the euro was introduced.

Specialist companies may accept Spanish pesetas, French francs, Italian lire and German Deutschmarks, even though these currencies are no longer used in shops.

However, the amount offered can vary enormously. Some old currencies may have little more than a collector or recycling value.

Before selling an inherited collection, check whether any coins or notes could be worth more to collectors.

Check which obsolete currencies can be exchanged.

What about Australian dollars, Canadian dollars and Japanese yen?

These are also commonly exchanged currencies, particularly in banknote form.

If you have current Australian dollars, Canadian dollars or Japanese yen, check their exchange value before deciding whether to keep them for another trip.

For coins, withdrawn banknotes or mixed collections, a specialist service such as We Buy All Currency may be able to help.

Which foreign currency exchange service should you choose?

What you have	Where to start
Recognisable foreign coins and notes	We Buy All Currency
A large, unsorted collection	Cash4Coins
Euro coins and notes	We Buy All Currency
US dollar coins and banknotes	Cash4Coins
Old French francs, pesetas and lire	We Buy All Currency
Mixed foreign coins from several holidays	Cash4Coins

Can you exchange old round £1 coins and withdrawn banknotes?

Yes, although the value and available exchange options depend on what you have.

The old round £1 coin stopped being legal tender in October 2017. Specialist currency businesses may offer to buy withdrawn coins, although the amount offered can be below face value.

If you find old Bank of England paper notes, check the official exchange arrangements before paying a private company to handle them. The Bank of England continues to exchange genuine withdrawn Bank of England notes without a deadline.

MoneyMagpie tip: check the value before sending

Some old British notes can still be exchanged at face value through official arrangements. Before posting old UK money to a specialist company, check whether you could receive the full value directly.

For mixed collections containing obsolete foreign currency, Cash4Coins may be a more convenient option.

Five ways to get more money for your leftover currency

1. Don’t spend it all at the airport

Buying a giant Toblerone simply because you have a few euros left might seem sensible at the time, but you could be spending money that would otherwise be useful back home. Keep your coins and notes until you have checked whether they can be exchanged.

2. Pool your foreign coins with family and friends

If your collection is too small to make posting worthwhile, ask relatives whether they have any leftover holiday money. Combining several small collections can make the exchange more economical. Just agree how to divide the proceeds beforehand.

3. Check exchange rates and postage costs

Do not assume that a service advertising no hidden fees necessarily offers the highest payout. Look at the actual sterling amount you will receive after any delivery or collection costs.

4. Package your coins properly

Coins are surprisingly heavy and can easily burst through an ordinary padded envelope. Double-bag them, use a sturdy box and make sure there is enough packing material to stop everything moving around. Keep banknotes flat and protected.

5. Check whether old coins are collectable

Before sending off inherited coins, look carefully for gold, silver, unusual dates or anything that might be rare. Some collectable coins are worth considerably more than their exchange value.

Could your old coins be worth more than their face value?

Not every old coin belongs in a currency exchange parcel. Historic British coins, commemorative issues and certain foreign coins may appeal to collectors.

If something looks particularly old or unusual, investigate it separately before accepting a bulk exchange offer.

Can you donate leftover foreign currency to charity?

Absolutely. If your collection is too small to exchange economically, or you would simply rather help someone else, donating your old coins and notes can be an excellent alternative.

Cash4Coins and We Buy All Currency both offer ways for unwanted currency to support charitable causes.

This can also make a useful fundraising project for a school, community group or workplace. Ask everyone to bring in the foreign coins they have left over from holidays and combine them into one collection.

Check the chosen service’s donation instructions before posting, particularly where minimum weights, shipping arrangements or nominated charities are concerned.

Frequently asked questions about exchanging leftover currency

Can I exchange foreign coins in the UK?

Yes. Specialist currency exchange services including We Buy All Currency and Cash4Coins accept a range of foreign coins.

Where can I exchange euro coins in the UK?

We Buy All Currency buys euro coins and banknotes. You can check the available exchange rate online before sending your currency.

Can I sell leftover US dollar coins?

Yes. Cash4Coins accepts US dollar coins and banknotes, including mixed collections.

Can I exchange old French francs, Spanish pesetas and Italian lire?

Specialist currency exchange services may buy these obsolete currencies, although the amount offered depends on the currency and its condition.

Can I exchange foreign currency without sorting it?

Yes. Cash4Coins accepts mixed collections and sorts and counts the currency as part of its assessment process.

How long does it take to exchange foreign coins?

Processing times vary. We Buy All Currency aims to pay within five working days after receiving and verifying currency, while Cash4Coins quotes a processing period of 7–31 days, followed by payment after an offer is accepted.

Is it worth exchanging a small amount of foreign currency?

It depends on the exchange rate and delivery costs. If you have only a few low-value coins, consider combining them with another collection, keeping them for a future trip or donating them to charity.

Turn that forgotten money into Christmas cash

That drawer is not going to empty itself, and the money inside it is not doing you any good.

Half an hour spent searching old handbags, suitcases and cupboards could uncover a surprisingly useful collection of foreign currency. It might only be enough for a few stocking fillers, or it could make a more substantial contribution to the Christmas food shop.

If you know what currency you have, start by checking its value with We Buy All Currency. If you have a larger collection of unsorted coins and notes, Cash4Coins can assess the whole lot.

Your Christmas money challenge

Give yourself 30 minutes this weekend to hunt down every forgotten foreign coin and banknote in your home.

Count what you can, check its potential value and see whether you could turn it into extra spending money before Christmas.

Value your foreign currency

Exchange mixed coins

Then tell us in the comments: how much did you find?

Information: November 2026. Exchange rates, eligibility, postage charges and processing times may change. Always check the provider’s latest terms before sending currency.

The post How to Exchange Leftover Foreign Currency for Cash appeared first on MoneyMagpie.

Make money with empty perfume bottles

Before you throw away that empty perfume bottle, have another look at it. The fragrance might be long gone, but the bottle itself could still be worth something.

From designer perfume bottles to unusual vintage finds, there is a market for empty fragrance packaging, and some people are prepared to pay for bottles that most of us would simply put in the recycling.

Even if your bottle isn’t particularly valuable, there are plenty of ways to give it a second life. With a little creativity, you could turn it into something attractive enough to sell at a craft fair, online or at a local market.

So, before you clear out your dressing table, here’s how to work out whether your empty perfume bottles are worth money, where to sell them and what else you can do with them.

Quick guide: How to make money from empty perfume bottles

• Sell designer or collectable bottles online.
• Look out for vintage bottles with original stoppers and packaging.
• Sell collections of ordinary bottles as craft bundles.
• Upcycle inexpensive bottles into decorative vases and ornaments.
• Consider making your own perfume, provided you meet the legal requirements before selling it.

Are empty perfume bottles actually worth money?

They certainly can be, although it’s important not to assume every designer bottle is a valuable collectable.

Empty bottles from names including Chanel, Dior, Marc Jacobs and Jean Paul Gaultier are regularly advertised on resale marketplaces. Some are listed for just a few pounds, while more unusual examples and collections may carry much higher asking prices.

The important distinction is that an asking price isn’t the same as a selling price. A bottle advertised for £50 isn’t necessarily worth £50 if nobody buys it.

As a general guide, these are the sorts of bottles worth investigating:

Type of bottle	What makes it interesting?
Modern designer bottles	Recognisable names, distinctive shapes and original caps
Discontinued fragrances	Designs that are no longer produced
Vintage perfume bottles	Age, decorative detail and collectability
Antique glass bottles	Makers’ marks, craftsmanship and condition
Decorative empty bottles	Attractive shapes suitable for crafting

The best way to establish a realistic price is to search for your exact bottle on eBay and filter the results to show sold items, rather than relying on current listings.

See what empty perfume bottles have sold for on eBay »

1. Sell your empty designer perfume bottles

You might be surprised by which bottles attract attention.

Some fragrances come in packaging that’s almost as appealing as the perfume itself. Think of the distinctive flower-topped Marc Jacobs Daisy bottles, the sculptural Jean Paul Gaultier designs or the classic Chanel No. 5 bottle.

Even when empty, these can appeal to collectors, people looking for replacement decorative pieces or those who simply enjoy displaying perfume bottles.

Don’t assume that an expensive fragrance automatically means an expensive empty bottle. Rarity, condition and actual buyer demand matter far more.

MoneyMagpie tip: Don’t throw away the lid!

An original decorative cap, stopper or presentation box may make a bottle more appealing to collectors.

If you’re planning to sell a bottle, keep all its original components together and photograph them clearly.

Where can you sell empty perfume bottles?

eBay is a useful starting point because you can research completed sales and compare your bottle with similar examples.

Etsy may be worth exploring for eligible vintage and decorative bottles, provided your item meets its selling rules.

Gumtree and local selling groups can be useful for inexpensive collections, particularly if you’d rather arrange collection than pay for postage.

For more unusual antique bottles, consider contacting an antiques dealer or auction house before listing them yourself.

Remember to check selling fees, postage costs and the platform’s latest policies before deciding where to sell.

Important: Make it clear the bottle is empty

Some marketplaces permit genuine empty perfume bottles, but sellers must comply with their rules, including intellectual property and accurate-description requirements.

Never refill a branded bottle with another fragrance and attempt to sell it as the original perfume.

Read eBay’s perfume selling rules here.

2. Check whether you’ve got a valuable vintage bottle

If you’ve inherited an old dressing table, bought a box of toiletries at a car boot sale or discovered some forgotten bottles in a relative’s house, it’s worth checking them before getting rid of anything.

Vintage perfume bottles can be collectable in their own right, particularly if they feature unusual glasswork, decorative stoppers or distinctive designs.

Names worth researching include Lalique and Baccarat, although a name or similar-looking design alone doesn’t establish authenticity or value.

Look for identifying marks on the base, original labels and any information about the manufacturer.

Condition matters too. Chips, cracks, missing stoppers and heavy staining may affect what a collector is prepared to pay.

If you suspect you have something genuinely unusual, don’t start scrubbing away labels or polishing delicate details. You could accidentally damage the very features that make it interesting.

Instead, photograph it and ask a specialist for advice.

3. Sell ordinary empty bottles in bundles

Not every perfume bottle needs to be a collectable to find a buyer.

Crafters sometimes look for attractive little glass bottles for decorative projects, wedding displays, miniature flower arrangements and other creative uses.

If you have several empty bottles that aren’t worth selling individually, consider putting them together in a bundle.

For example, you could collect five or ten bottles in different shapes and sizes, photograph them together and advertise them as an empty perfume bottle craft collection.

This can make more sense than selling a single inexpensive bottle, especially once postage and selling costs are taken into account.

Try this before listing your bottles

Search for the exact brand and bottle size, then check sold prices. Work out the likely return after fees, packaging and postage.

If you’re only going to make a pound or two from an individual bottle, bundling several together might be the better option.

4. Turn empty perfume bottles into beautiful home decorations

If selling the bottle as it is doesn’t appeal, why not turn it into something completely different?

Some perfume bottles are so attractive that they make lovely ornaments with very little effort. You don’t need expensive equipment or specialist skills to get started.

Here are a few ideas.

Miniature flower vases

This is probably the simplest way to reuse an empty perfume bottle.

Remove the spray fitting if it can be taken off safely, clean the bottle thoroughly and add a few small flowers or a single stem.

Tiny bottles can look particularly pretty grouped together on a windowsill or dining table.

For a product you intend to sell, consider using dried or artificial flowers, which are easier to package and don’t need water.

Decorative bottles filled with beads or shells

Clear perfume bottles can be filled with coloured sand, tiny shells, beads or other decorative materials.

They can make pretty ornaments for bathrooms, bedrooms or dressing tables.

If you’re planning to sell them, make sure the contents are secure and clearly describe them as decorative items rather than toys.

Dried flower displays

Small dried flowers can look lovely inside transparent bottles, particularly those with interesting shapes.

Try experimenting with different colours and arrangements. A collection of three coordinating bottles could make an attractive handmade gift.

Decorative reed diffuser holders

Some perfume bottles can be repurposed as reed diffuser holders, although bottles with narrow openings and stable bases are generally more practical.

You could use one at home with a suitable commercial diffuser refill, following the manufacturer’s instructions.

If you want to sell finished reed diffusers, however, you’ll need to understand the relevant chemical classification, labelling and product safety requirements. Selling an empty decorative holder is a simpler place to start.

Pretty dressing table ornaments

Sometimes a bottle doesn’t need transforming at all.

An unusually shaped bottle, particularly one with a decorative lid, can look beautiful displayed alongside jewellery, a mirror or other vintage accessories.

If it’s in good condition, you may be able to sell it as a decorative object without spending anything on extra materials.

5. Make your own perfume – and potentially start a business

If you love fragrance, making your own perfume could become an enjoyable hobby and potentially a small business.

Perfume is usually built around three types of fragrance notes.

Top notes are the scents you tend to notice first, such as citrus and lighter herbal fragrances.

Heart notes form the middle of the fragrance and may include floral, fruity or spicy scents.

Base notes tend to linger longer and might include vanilla, woody notes or musk-style fragrance materials.

Experimenting with combinations is part of the fun, but perfume formulation involves more than simply mixing essential oils together.

Some essential oils can cause irritation or allergic reactions, and others have restrictions on safe use. Synthetic fragrance ingredients aren’t automatically more irritating than natural ones.

It’s important to use suitable ingredients, follow safety guidance and avoid applying undiluted essential oils to your skin.

Can you legally sell homemade perfume in the UK?

Yes, but you cannot simply mix up a batch, pour it into old bottles and start selling it.

In Great Britain, cosmetic products such as perfume must meet legal requirements, including an appropriate safety assessment, a Product Information File, a designated Responsible Person, compliant labelling and notification through the relevant government service before being placed on the market. Northern Ireland has different regulatory arrangements.

You’ll also need to consider product liability insurance and whether your packaging is suitable for the formulation.

For this reason, making perfume for personal enjoyment is very different from selling it commercially.

Thinking of starting a perfume business?

Before spending money on ingredients and packaging, read the official regulations and work out your start-up costs.

Read the government’s cosmetic product guidance.

You can also read our MoneyMagpie guide to making money selling your own perfume.

6. Sell your upcycled creations at craft fairs

Once you’ve experimented with a few designs, you could consider selling your creations.

Local craft fairs, community markets and seasonal events can be good places to test whether people are interested in your work.

The advantage of starting with empty perfume bottles is that you may already have your main material sitting at home.

However, don’t forget to account for the cost of decorative materials, your time, market fees and any packaging.

Start with a handful of pieces rather than spending a fortune creating stock before you know what people want.

You could also try selling your finished decorations online, checking that the products meet the relevant marketplace rules.

7. How to clean empty perfume bottles before reusing them

Before you do anything with an empty bottle, you’ll need to make sure it’s suitable for your intended project.

Perfume bottles can retain strong scents and traces of fragrance long after they appear empty.

For bottles intended for decorative use:

1. Check for cracks, chips and damage before handling.
2. Remove the lid and any detachable fittings without forcing them.
3. Wash suitable glass components gently with warm water and a little washing-up liquid.
4. Rinse carefully and allow them to dry completely.
5. Avoid abrasive cleaning methods that might damage painted details, labels or delicate finishes.

Some atomisers are sealed and cannot be removed safely. Don’t attempt to break or cut the glass to get inside.

If the bottle is antique or potentially valuable, cleaning it aggressively may reduce its appeal to collectors. Seek advice before doing anything that could alter its original condition.

A safety note

Avoid turning old perfume bottles into oil lamps or candle holders. Perfume bottles are not necessarily designed to withstand heat or naked flames, and residual fragrance may contain flammable substances.

Decorative projects that don’t involve heating or cutting glass are a much safer option.

8. How much money could you realistically make?

This depends on what you’re selling and whether there’s demand for it.

An ordinary empty perfume bottle may only attract a few pounds, while a collectable vintage example could command considerably more.

For handmade decorations, the amount you charge needs to reflect the finished product, the materials used and the time involved.

Here’s a simple example of how you might calculate a price for an upcycled decoration.

Example cost	Amount
Empty perfume bottle	£0
Decorative flowers	£2.00
Ribbon and finishing materials	£0.50
Packaging	£1.00
Total materials and packaging	£3.50
Hypothetical selling price	£10.00
Amount left before other costs	£6.50

This is an illustrative calculation, not a verified market selling price. You’ll still need to deduct any selling fees, postage you pay, market charges and the value of your time.

The easiest way to find out whether a particular design will sell is to make a few examples and test the market.

Frequently asked questions

Can you sell empty perfume bottles?

Yes. Empty perfume bottles can be sold as collectables or decorative items, subject to the selling platform’s rules and applicable laws. Always describe them accurately and make it clear that no perfume is included.

Which empty perfume bottles are worth the most?

Rare antique bottles, distinctive vintage designs and sought-after discontinued bottles may be more valuable than ordinary modern packaging. Condition, authenticity, original stoppers and collector demand all matter.

Can you sell empty Chanel or Dior perfume bottles?

Genuine empty branded bottles can be listed on some marketplaces, provided you comply with their rules and don’t infringe intellectual property rights. Never refill branded bottles with another product and pass them off as original fragrances.

Where is the best place to sell vintage perfume bottles?

eBay is useful for researching prices and reaching collectors, while Etsy may suit eligible vintage items. Specialist auction houses can be worth considering for potentially valuable antique examples.

Can you make money upcycling perfume bottles?

Potentially. Empty bottles can be transformed into decorative vases, ornaments and dried flower displays. Whether you make a profit depends on demand, materials, selling costs and how much time you spend making them.

The bottom line: Don’t bin your empty perfume bottles just yet

The next time you finish a bottle of perfume, don’t automatically throw it away.

It might only be worth a couple of pounds, but that’s still money you wouldn’t have had otherwise. And if it’s a rare or unusual design, it could be worth investigating further.

Even bottles with little resale value can be turned into attractive decorations, given away to someone who enjoys crafting or used to experiment with a new hobby.

You probably won’t make a fortune from the contents of your dressing table, but making a little extra money from something you were about to throw away is always worth considering.

For more ideas, read our guides to upcycling ordinary items into homewares and making money from empty toilet rolls.

The post Make money with empty perfume bottles appeared first on MoneyMagpie.

You could stay in a mansion for free, and some house-sitting jobs even pay you

Imagine being handed the keys to a beautiful country mansion, spending your mornings wandering through landscaped gardens and enjoying evenings in a house you could never normally afford to stay in. Now imagine doing it without paying for accommodation – or even getting a little money for your trouble.

It sounds almost too good to be true, but house sitting is a genuine way to experience some extraordinary properties. From sprawling country estates and historic houses to luxury villas and impressive city apartments, homeowners sometimes need reliable people to look after their homes while they’re away.

And you don’t necessarily need to be a professional housekeeper or have years of experience to get started.

There’s just one important distinction: some house-sitting arrangements pay you money, while others offer free accommodation in exchange for looking after a property and its pets. Both can be appealing, particularly if you’ve always fancied experiencing how the other half lives.

Can you really get paid to live in a mansion?

Yes, although paid mansion assignments aren’t guaranteed. Some agencies offer a daily allowance for looking after upmarket homes, while other platforms allow you to stay in beautiful properties without paying rent.

The trick is knowing where to look, understanding what’s expected and deciding whether you’re after extra income, free accommodation or a combination of the two.

What does looking after a mansion actually involve?

Before you start picturing yourself sipping tea on the terrace, it’s worth remembering that house sitting comes with responsibilities.

Homeowners might need someone to collect the post, water plants, keep the property secure, look after dogs and cats or simply make sure the house doesn’t sit empty while they’re travelling.

In larger properties, there may be additional responsibilities, such as keeping an eye on the grounds, communicating with gardeners or reporting maintenance problems.

Some assignments are relatively straightforward, particularly when there are no pets involved. Others can be more demanding, especially if several animals need daily care.

However, for the right person, spending a few weeks in a beautiful country house could be considerably more enjoyable than an ordinary side hustle.

How much could you earn from house sitting?

The amount varies enormously, and many house-sitting opportunities don’t pay anything at all. Instead, you receive accommodation in exchange for looking after the property.

But there are genuine opportunities to receive money.

One UK agency offers £25 a day

House and Home Sitters specialises in house and pet sitting, primarily in upmarket British homes.

According to its published terms, sitters receive:

• £25 per day as a subsistence allowance.
• £5 per dog per day for looking after dogs.
• A travel contribution, typically £60 per assignment.
• Accommodation in the property during the assignment.

For example, a seven-day assignment with two dogs could provide £245 in daily allowances, plus a typical £60 travel contribution. That’s £305 in total, although the travel contribution is intended to help with travel costs rather than represent additional profit.

The agency makes clear that this is a lifestyle arrangement rather than conventional employment, and applicants must meet its suitability requirements.

Figures based on the agency’s published sitter information. Check current terms before applying.

Where can you stay in a mansion for free?

This is where things get particularly interesting. Even if you’re not paid, the chance to stay somewhere extraordinary without a hotel bill could be worth considering.

There are several established house-sitting platforms where you can look for country houses, large family homes, villas and other attractive properties.

1. TrustedHousesitters – luxury homes around the world

TrustedHousesitters connects homeowners with people willing to care for their pets and property in exchange for accommodation.

Properties can range from ordinary family homes to beautiful rural retreats and impressive houses in desirable locations around the world.

There have even been reports of British house sitters staying in a 40-room Staffordshire estate, a Swiss chalet and a Spanish villa.

These aren’t paid jobs, but imagine what staying in a large country estate might ordinarily cost if you were booking it as holiday accommodation.

TrustedHousesitters charges an annual membership fee, and there is no payment between homeowners and sitters. You’ll also need to cover your own travel expenses.

2. House Sitters UK – country homes closer to home

If you’d rather avoid expensive flights and explore Britain, House Sitters UK is another place to investigate.

The platform connects homeowners with sitters throughout the country. Most arrangements involve free accommodation in exchange for caring for the property and any pets, although some sitters negotiate payment.

You can browse opportunities and look for properties in rural areas, historic towns or destinations you’ve always wanted to visit.

It could be an appealing way to enjoy a change of scenery without paying for a hotel or holiday cottage.

3. Mindahome – a budget-friendly way to get started

Mindahome UK is another platform worth exploring, particularly if you’re new to house sitting.

Its published annual membership fee is £20 for sitters, giving access to available UK assignments and the ability to contact homeowners.

Most arrangements involve free accommodation rather than wages, and you can search for opportunities by location.

It’s a relatively inexpensive way to see whether house sitting suits your lifestyle, although membership doesn’t guarantee you’ll secure an assignment.

Could your next holiday be in a mansion?

Think of the possibilities: a country house in the Cotswolds, a rural retreat in Scotland or a beautiful villa abroad.

There’s no guarantee that a mansion will be available when you want one, and popular opportunities can be competitive. But if you’re flexible about dates and locations, house sitting could open the door to accommodation you might never normally consider.

Remember: free accommodation doesn’t necessarily mean a completely free holiday. You may still have to pay for travel, food, membership fees and other expenses.

How to start house sitting

One of the biggest advantages of house sitting is that you don’t necessarily need formal qualifications. What homeowners really want is someone dependable who will treat their property with care.

Having experience with pets can be particularly useful because many assignments involve looking after animals.

If you’re starting from scratch, consider looking after a friend’s house or caring for a neighbour’s pets while they’re away. This can help you build references and demonstrate that you’re responsible.

When creating a profile, explain your experience clearly, include suitable references and be realistic about the responsibilities you’re willing to take on.

Five ways to improve your chances

• Get references: Previous homeowners, employers or people you’ve helped can provide reassurance.
• Be flexible: Being available outside peak holiday periods may open up more opportunities.
• Show pet experience: Many homeowners are primarily looking for someone to care for their animals.
• Communicate well: Explain how you’ll keep the homeowner updated while they’re away.
• Start small: Build a positive track record before applying for more complicated assignments.

Could you do house sitting alongside your normal job?

Potentially, yes. If you work remotely, freelance or have flexible hours, house sitting could give you a change of scenery while you continue earning your usual income.

Imagine swapping your normal desk for a study overlooking acres of countryside.

Of course, you’ll need to check the internet connection, whether there’s somewhere suitable to work and how much time the homeowner expects you to spend looking after the property.

If you’re responsible for dogs that need regular walks or animals that cannot be left alone, the arrangement might not be suitable for a full working day.

House sitting can also appeal to retirees, couples and people who have the freedom to travel outside school holidays.

What should you check before accepting a house sit?

Staying in somebody else’s home is a responsibility, particularly when the property is valuable or contains expensive possessions.

Before accepting an assignment, make sure you understand exactly what’s expected.

Don’t agree to a house sit without checking these details

• Whether you’re being paid or receiving accommodation only.
• Who pays for electricity, heating, internet and other utilities.
• Whether pets require medication, special care or constant supervision.
• Whether you’re expected to clean, garden or carry out other duties.
• What insurance arrangements apply if something goes wrong.
• Who to contact in an emergency.
• Whether you can leave the property during the day.
• Whether the homeowner has provided a written agreement.

Be particularly careful about unexpected requests for money or personal financial information. Check the homeowner’s identity and use the platform’s safety procedures wherever possible.

Is house sitting actually worth it?

That depends on what you’re hoping to get out of it.

If you need a reliable second income, house sitting may not be the most predictable option. Paid assignments can be irregular, and many of the most attractive properties are offered in exchange for accommodation rather than wages.

However, if you enjoy travelling, love animals and have a flexible lifestyle, it could be a wonderful way to experience places that would normally be outside your budget.

For someone considering an extended stay in an expensive part of the UK, free accommodation might also make a significant difference to their overall costs.

Just remember that any savings depend on what you would otherwise have spent. Staying in a mansion for free doesn’t automatically mean you’ve saved thousands of pounds.

Fancy giving house sitting a try?

Whether your dream is to look after a beautiful country house, enjoy a change of scenery or find an unusual way to earn a little extra money, exploring house-sitting opportunities could be a good place to start.

You don’t need to own a mansion to experience life in one. You just need to find a homeowner looking for somebody they can trust.

Explore house-sitting opportunities

Affiliate disclosure: This link is an affiliate link, which means MoneyMagpie may earn a commission if you make a qualifying purchase or sign up. Check the provider’s terms, fees and availability before joining.

Frequently asked questions

Can you get paid to look after a mansion?

Yes. Some professional house-sitting agencies offer allowances or payments for looking after upmarket homes. However, many luxury house-sitting opportunities provide accommodation rather than wages.

Can you stay in a mansion for free?

Potentially. House-sitting platforms sometimes feature large country houses, estates and luxury properties where accommodation is offered in exchange for caring for the home or pets. Availability varies and membership or travel costs may apply.

Do you need experience to become a house sitter?

Not necessarily. However, references, pet-care experience and a reliable track record can improve your chances. Some professional agencies have more demanding application requirements.

Do you have to pay tax on house-sitting income?

Paid house-sitting income may be taxable. In the UK, the trading allowance can cover up to £1,000 of qualifying gross trading income per tax year, subject to HMRC rules and exceptions. Check the current guidance if you’re unsure about your circumstances.

Can you house sit abroad?

Yes, international platforms advertise house-sitting opportunities in many countries. However, you should check immigration and visa rules before travelling, because even unpaid house sitting may be treated as work in some destinations.

The bottom line: House sitting won’t necessarily make you rich, but it could help you earn some extra money, reduce accommodation costs or spend time in a beautiful home that would normally be well beyond your budget. And if you happen to find yourself looking after a mansion, that’s a rather lovely bonus.

The post You could stay in a mansion for free, and some house-sitting jobs even pay you appeared first on MoneyMagpie.

The High Street Wants Your Old Stuff Back: Where You Can Sell Furniture, Clothes and Tech

For years, if you wanted to get rid of an old bookcase, phone, pair of trainers or games console, your choices were fairly predictable. You could stick it on eBay, brave the messages on Facebook Marketplace, take it to a charity shop or, if it really had reached the end of its useful life, find a way to recycle it.

But something interesting is happening on the British high street. The shops that sold us all this stuff in the first place increasingly want it back.

IKEA has now launched its own second-hand marketplace in the UK, allowing customers to buy and sell pre-owned IKEA furniture and homewares directly to one another. Meanwhile, Argos is building a much broader online marketplace of its own and already operates a trade-in scheme which can pay customers for unwanted technology.

They are far from alone. John Lewis, Currys, Apple, Decathlon, Schuh and CeX are among the familiar names offering ways to trade in, recycle, reuse or buy pre-owned goods.

And that raises two important questions for MoneyMagpie readers: could the growing second-hand high street help you make money from things you already own, and could buying somebody else’s unwanted stuff save you a significant amount too?

Before you throw it away…

An unwanted phone, table, games console, bike or pair of shoes may still have a value. Before putting anything in the bin or taking it to the tip, check whether you can sell it, trade it in, donate it or recycle it.

We have plenty more ideas in our make money guides, including ways to turn things you already own into extra cash.

IKEA has launched a second-hand marketplace in the UK

This is perhaps the most interesting development because IKEA isn’t simply taking old furniture back and reselling it itself.

Its new UK second-hand marketplace allows IKEA Family members to sell genuine pre-owned IKEA products directly to other customers.

Creating a listing should also be considerably easier than starting completely from scratch on a conventional marketplace. IKEA can identify eligible products and provide information including recommended pricing, product photographs, measurements, descriptions, assembly instructions and care information.

That could be particularly useful if you’ve ever tried to remember the name of an IKEA bookcase you bought eight years ago.

There are restrictions. The marketplace is for genuine IKEA products and excludes certain categories including appliances, mattresses and food. Products must also be safe and usable.

Sellers can set their own price, although IKEA provides a suggested figure, and the maximum listing price is £1,995. Buyers pay through the marketplace, with the money held by a payment provider during the transaction.

Perhaps most importantly for anyone decluttering, this isn’t simply a voucher-for-your-old-furniture scheme. It means you are selling your IKEA item to another customer.

Check IKEA’s latest second-hand and Buyback information.

Could you save money buying second-hand IKEA?

Potentially. Furniture is one of the areas where buying used can produce substantial savings, particularly if you can collect it yourself. However, always compare the second-hand asking price with IKEA’s current new price before assuming you’ve found a bargain.

Remember to include transport costs too. Saving £40 on a wardrobe doesn’t look quite as impressive if you then spend £35 hiring a van to collect it.

You could already sell furniture back to IKEA

The new marketplace sits alongside IKEA’s existing Buyback & Resell scheme, and it’s worth understanding the difference.

With Buyback, IKEA itself assesses eligible used IKEA furniture and gives you a refund card rather than you having to wait for another person to buy it.

Eligible products can include bookcases, shelving, cabinets, dining tables, desks, chairs, stools, chests of drawers, some children’s products, mirrors, shoe storage, plant pots and certain lighting, although you should always check the latest eligibility before making a journey.

Items generally need to be complete, clean, properly assembled, unmodified and in a condition suitable for resale.

The obvious downside is that you’re receiving IKEA credit rather than unrestricted cash, so somebody who simply wants to clear their house and put money into their bank account may prefer the customer-to-customer marketplace.

On the other hand, if you were planning to replace that old IKEA desk with another IKEA desk anyway, Buyback could be considerably less hassle than photographing it, listing it and arranging for somebody to collect it.

MoneyMagpie tip: don’t confuse convenience with getting the best price

Retailer trade-in schemes can be wonderfully easy, but convenience can come at a price. Before accepting an offer, spend five minutes checking what similar items are selling for elsewhere.

If you’re having a proper clear-out, take a look at our latest ways to make money before giving valuable belongings away.

What about the new Argos marketplace?

There is an important distinction here.

Argos has announced that it is developing an online marketplace, but this is not currently a second-hand marketplace for ordinary customers to list unwanted possessions.

Instead, selected third-party marketplace sellers will be able to offer products through the Argos website and app, increasing the range available to shoppers.

So, if you’re wondering whether you’ll be able to put your old toaster on Argos in the same way you might put it on eBay, that’s not what has been announced.

What is interesting is that Argos already operates a separate Trade-In service for technology.

Yes, you can sell old technology to Argos

Argos Trade-In accepts a range of unwanted technology, including mobile phones, tablets, smartwatches, games consoles, headphones and Mac computers.

You get a quote, send the device using the service provided and, following inspection, can receive payment depending on the options currently available through the service.

That makes Argos worth checking before automatically putting an old phone on an online marketplace.

It doesn’t necessarily mean Argos will offer the highest possible price. Whenever you sell an old phone, laptop or games console, compare the trade-in quotation against what similar devices are actually selling for elsewhere.

A trade-in service is partly selling you convenience. You may receive less than you could achieve by finding a private buyer yourself, but you don’t have to create listings, answer messages, negotiate with strangers or worry about somebody failing to turn up.

Check the latest Argos Trade-In information.

Old tech could be worth more than you think

Don’t assume an old phone, tablet, console or laptop is worthless. Get several trade-in quotations and compare them with realistic private-sale prices first.

You can find more ideas for generating extra cash in the MoneyMagpie Make Money section.

Currys will also take old tech

Currys operates technology trade-in and recycling services covering old devices and electrical products.

The retailer’s recycling schemes are particularly useful when an electrical item has reached the point where it no longer has a meaningful resale value.

An ageing phone sitting untouched in a kitchen drawer isn’t earning you anything and its components aren’t being reused either.

Before trading anything in, however, compare the valuation. The easiest option isn’t automatically the most profitable one.

See the latest Currys trade-in information.

John Lewis has buyback and recycling schemes too

John Lewis has also operated schemes designed to keep products in circulation for longer, including technology trade-in and fashion initiatives.

As with all retailer schemes, availability, eligible products and rewards can change, so check the latest terms rather than assuming something you bought several years ago will automatically qualify.

Check John Lewis’s current technology trade-in options.

Decathlon could buy your old sports equipment

There is another cupboard worth investigating before a clear-out: the one containing all those abandoned sporting ambitions.

Decathlon operates a Buy Back service covering a range of sports equipment, allowing customers to obtain an estimate for eligible items before taking them into a participating store.

This could be particularly useful for expensive equipment that children have grown out of, bikes that are no longer used or sporting equipment bought enthusiastically in January which hasn’t seen daylight since February.

See what Decathlon currently accepts through Buy Back.

Apple will give you credit for old devices

Apple Trade In allows customers to exchange eligible devices for credit towards another purchase or an Apple Gift Card.

Devices with no trade-in value may still be eligible for recycling.

Again, don’t assume a manufacturer’s trade-in valuation is automatically the best price available. Check it against other trade-in companies and realistic second-hand selling prices.

But for somebody already intending to buy another Apple device, it can provide a relatively simple way of reducing the cost.

Check your device with Apple Trade In.

CeX remains one of the simplest places to sell unwanted tech

CeX has effectively been doing the circular economy on the high street since long before the phrase became fashionable.

It buys a broad range of products including phones, computers, digital electronics, games, consoles and Blu-rays before selling second-hand products back to customers.

For anyone doing a serious declutter, it is worth checking the value of old games and technology before assuming they’re worthless.

Check CeX buying and selling prices.

Schuh could give you money off for old shoes

Your old shoes could have some value too, although not necessarily as cash.

Schuh operates its Sell Your Soles recycling initiative, allowing customers to take unwanted footwear into participating stores in return for a reward towards another purchase, subject to the latest terms.

It’s a useful example of why we need to stop thinking about unwanted possessions as simply either “sellable” or “rubbish”. There is an increasingly large middle ground.

Check Schuh’s latest recycling information.

Where can I sell my old stuff?

IKEA: Eligible IKEA furniture and homeware – customer-to-customer resale or Buyback credit.

Argos: Selected technology – trade-in options.

Currys: Technology and electricals – trade-in or recycling depending on the product.

John Lewis: Selected technology and other eligible products – trade-in, reuse or recycling depending on the scheme.

Decathlon: Selected sports equipment – Buy Back.

Apple: Eligible technology – credit, Gift Card or recycling.

CeX: Phones, games, consoles, computers and electronics – sell or exchange.

Schuh: Old footwear – recycling reward subject to current terms.

Retailer schemes and eligibility change regularly, so always check the retailer’s current terms before travelling to a store or posting an item.

Why retailers suddenly want our old stuff

Retailers aren’t becoming interested in your old bookcase, trainers and iPhone purely out of generosity. There is clearly money in resale.

But there is also an important environmental argument.

Every product that can safely remain in use for longer potentially delays the point at which another product needs to replace it, while reuse can prevent perfectly serviceable possessions entering the waste stream unnecessarily.

Recycling is important, but reuse should often come before recycling.

If somebody else can use your desk for another five years, there is little sense in breaking it down into materials today simply because you no longer want it.

The same principle applies to electronics. A working phone may be worth refurbishing and reselling; a broken device might provide usable components; and something genuinely at the end of its life can finally be recycled so useful materials can potentially be recovered.

Sell it, donate it or recycle it?

1. Sell it: Could somebody else use it and pay you for it?

2. Trade it in: Does a retailer offer cash, credit or a voucher?

3. Donate it: Could a charity shop or reuse organisation make use of it?

4. Recycle it: If it genuinely can’t be reused, find the correct recycling route.

For more ways to squeeze value from things you already own, visit our Make Money hub.

Can buying second-hand actually save you money?

Potentially, yes – but the word “second-hand” isn’t an automatic guarantee of a bargain.

The arrival of retailer-backed resale has some advantages. Product identification can be easier, condition grading may be clearer in some schemes and refurbished products sold commercially can sometimes come with protections that you wouldn’t necessarily get from a casual private sale.

But always compare the second-hand price with the current new price.

This becomes particularly important during sales. A second-hand item advertised at £80 because it originally cost £150 isn’t much of a bargain if the same product is currently available new for £90.

For furniture, factor in collection or delivery costs. With technology, check battery health, age, software support and warranty or returns arrangements rather than looking only at the headline price.

If rising household costs are prompting a wider rethink of your spending, our Save Money guides contain more ideas for cutting everyday costs without simply going without.

Should I trade something in or sell it myself?

This is where a little MoneyMagpie maths comes in.

Before handing anything over, get three figures if you can:

1. The retailer’s trade-in or buyback offer.

2. The realistic price you could get selling it yourself.

3. The price of the replacement item you actually intend to buy.

Don’t compare your trade-in quote with wildly optimistic marketplace listings that have been sitting unsold for six months. Look at what similar items genuinely appear to be selling for.

Then put a value on your own time.

If selling privately might earn you another £15 but requires photographs, a listing, six messages, two ridiculous offers and an afternoon waiting for somebody who may or may not appear at your front door, the instant trade-in starts looking more attractive.

If the difference is £150, doing the work yourself may suddenly feel worthwhile.

Before throwing something away, ask one question

“Is this actually worth something?”

A phone could be traded in. Furniture could be sold to another IKEA customer. A bike might qualify for a buyback scheme. Shoes could earn a recycling reward. Games and old technology could potentially be sold.

Only when an item can’t realistically be reused should recycling become the main option.

Second-hand shopping could become a normal part of the high street

The circular economy can sound like an enormous environmental concept, but for households it can be much simpler.

Before buying new, check whether somebody else has already bought the thing you need and no longer wants it.

And before throwing something away, check whether somebody is prepared to pay you for it.

You could end up with less clutter, more money in your pocket and fewer perfectly usable possessions going to waste.

More ways to make and save money

MoneyMagpie is packed with practical ways to make your household budget go further. Explore our Make Money ideas or head to our Save Money section for more ways to cut costs.

Find ways to make money

Find ways to save money

Frequently asked questions

Can I sell my old IKEA furniture back to IKEA?

There are now two routes worth checking. IKEA’s second-hand marketplace allows eligible IKEA Family members to sell qualifying IKEA products to other customers, while its Buyback service can offer IKEA credit for eligible furniture.

Can I sell second-hand items on Argos?

Argos’s announced marketplace is not a customer-to-customer second-hand marketplace. However, Argos does operate a separate technology trade-in service for selected devices.

Which high street shops buy old items?

Depending on the product, retailers and businesses including IKEA, Argos, Currys, Decathlon, Apple and CeX have trade-in, buyback or resale options. Other retailers offer recycling rewards rather than cash.

Is it cheaper to buy second-hand?

It can be considerably cheaper, but always compare the used price with the current new price and include delivery, collection and potential repair costs. For electronics, check the age, condition, battery health, software support and warranty too.

Should I sell or recycle unwanted items?

If an item is safe and usable, selling, trading in or donating it can keep the product in use for longer. If it has reached the end of its useful life, check the correct recycling route rather than putting electrical products or other recyclable materials into general waste.

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Pension Credit: You could qualify even with savings or your own home

Think your savings, private pension or the home you own mean you cannot claim Pension Credit? You could still qualify. Here is how to check, why a small award can matter and what the current rules mean for you.

Rules checked: 1 October 2026. Rates apply to the 2026/27 financial year.

Pension Credit at a glance

• Single: standard Guarantee Credit tops assessed weekly income up to £238.
• Couple: the standard amount is £363.25 a week combined.
• Savings: £10,000 or less does not affect your Pension Credit.
• Homeowners: owning the home you live in does not automatically disqualify you.
• Backdating: up to three months, if you were eligible during that period.

These are standard income levels, not payments added to your existing pension. Extra amounts and individual circumstances can change the calculation.

Check with the official Pension Credit calculator

When you have spent years paying off a mortgage or putting something aside for retirement, it is easy to assume financial help is meant for somebody else.

But having assets does not necessarily mean you have enough coming in to cover the weekly shop, heating and other essentials. Pension Credit can be available to people who own their home, have savings or receive a private pension.

Even a modest award deserves a closer look. Depending on the part you receive and your circumstances, it can also help you qualify for support with other costs.

In this guide

• What is Pension Credit?
• How much can you get?
• Who qualifies?
• Homes, savings and private pensions
• When higher income can still qualify
• Other help an award can unlock
• The current Winter Fuel Payment rules
• How to claim and request backdating
• Frequently asked questions

What is Pension Credit?

Pension Credit is a benefit for people who have reached State Pension age and have a low income. It is separate from your State Pension.

Guarantee Credit tops up your assessed income. Savings Credit is an additional payment for some people who reached State Pension age before 6 April 2016. You may receive one part or both, depending on your circumstances.

It is different from National Insurance credits, which can help build your State Pension entitlement.

How much is Pension Credit in 2026/27?

The standard Guarantee Credit calculation tops assessed weekly income up to £238 for a single person or £363.25 for a couple. The couple figure is for both people together.

Example: what a top-up could look like

A single person with £210 a week in assessable income, no savings adjustment and no additional amounts would have a standard Guarantee Credit top-up of £28 a week.

That would be £1,456 over 52 weeks. This is an illustrative calculation, not a typical award or a promise of what you will receive.

Who is eligible for Pension Credit?

In England, Scotland and Wales, you must have reached State Pension age and meet the relevant residence requirements. Northern Ireland has a separate Pension Credit application route.

Use the official State Pension age checker rather than assuming everyone aged 66 qualifies.

If you live with a partner, their income and savings are included. Usually, both partners must have reached State Pension age. Exceptions can apply, including where one receives Housing Benefit for people over State Pension age. Seek advice if one of you is younger or you have an existing award.

Can you claim Pension Credit with savings, a pension or your own home?

Owning your home

Owning the home you live in does not automatically stop you qualifying. A second property or other assets may be treated differently, so declare everything requested on your application.

Having savings

Savings and investments of £10,000 or less do not affect Pension Credit. Above that, every £500, or part of £500, over £10,000 is treated as £1 of weekly income.

For example, £11,000 in savings produces an assumed income of £2 a week. This is a benefit calculation, rather than the interest your bank actually pays. More than £10,000 does not automatically exclude you.

Receiving a private pension

Private and workplace pensions normally count as income, alongside your State Pension. However, Attendance Allowance, Personal Independence Payment and Pension Age Disability Payment are among the benefits not counted as income.

Leaving a pension unclaimed does not necessarily keep it out of the calculation: pension income you are entitled to receive can still count.

What if your income is above the standard Pension Credit amount?

The standard figures are not universal cut-offs. Additional amounts can apply for qualifying caring responsibilities, severe disability, certain housing costs or responsibility for a child or young person.

A check carers can easily overlook

The carer addition is £48.15 a week in 2026/27. Some people can qualify through an underlying entitlement to Carer’s Allowance or Carer Support Payment, even when an overlapping benefit prevents a separate payment.

A severe disability addition of £86.05 a week can apply in qualifying circumstances. Household arrangements and whether someone receives a carer benefit for looking after you can affect entitlement.

Ask for a full benefits check before making a carer claim, as it can affect the benefits of the person you care for.

Receiving a disability benefit does not automatically entitle you to the severe disability addition. Read the detailed official guidance or seek benefits advice.

Savings Credit can provide up to £17.96 a week for a single person or £20.10 for a couple in 2026/27, subject to its eligibility and calculation rules. Special restrictions apply to some couples where one partner reached State Pension age on or after 6 April 2016.

What other help can Pension Credit unlock?

Depending on your award and circumstances, Pension Credit can help you access:

• Housing Benefit if you rent.
• Council Tax Reduction through your council.
• A free TV licence if you are aged 75 or over and meet the rules.
• Help with NHS costs, including dental treatment and glasses, if you receive Guarantee Credit.
• Cold Weather Payments, or Winter Heating Payment in Scotland.

Some support needs a separate application. Savings Credit alone does not provide all the same entitlements as Guarantee Credit.

Help with energy bills

Pension Credit can be relevant to the Warm Home Discount, a £150 electricity bill discount for eligible households. It is a bill reduction, rather than cash paid into your account.

Eligibility depends on the scheme rules, where you live and your supplier. The scheme operates in England, Wales and Scotland, but not Northern Ireland.

If you owe money to an energy supplier, investigate grants that may help clear energy bill arrears too.

Help with mortgage interest

Some claimants may qualify for Support for Mortgage Interest. This is a repayable loan with interest, usually repaid when you sell or transfer your home. It is not a grant covering your mortgage repayments in full.

For other ways to reduce everyday costs, explore our guides to free and cheap meals for pensioners and food discounts for people receiving benefits. Each offer has its own conditions.

Do you need Pension Credit to get Winter Fuel Payment?

Pension Credit is no longer the general requirement for receiving Winter Fuel Payment. The eligibility restrictions introduced for winter 2024/25 have changed.

For winter 2026/27, eligible people born on or before 27 June 1960 who usually live in England, Wales or Northern Ireland can receive between £100 and £300, depending on their circumstances.

If an individual’s total income exceeds £35,000, HMRC will recover the payment. Scotland has a separate Pension Age Winter Heating Payment scheme.

Check the current Winter Fuel Payment guidance for exceptions and individual payment rules.

Check Pension Credit for its ongoing income support and associated help, even if you already receive a winter payment.

How to claim Pension Credit and request backdating

Start with the free official Pension Credit calculator. It gives an estimate, not a final decision. If it cannot assess your circumstances, contact the Pension Service.

• Online: use the official application page if you have already applied for your State Pension.
• Telephone: call 0800 99 1234, Monday to Friday, 8am to 6pm.
• Post: download the claim form or request one by telephone.

Have your National Insurance number, bank details and information about income, savings and investments ready. Include your partner’s details where applicable.

You can request up to three months of backdating if you were eligible during that period. Provide details of your circumstances then. You can also start an application up to four months before reaching State Pension age.

Age UK or Citizens Advice can help with the form. If you disagree with a decision, you can ask for mandatory reconsideration.

Your Pension Credit checklist

1. Check your State Pension age and your partner’s, if applicable.
2. Gather pension statements, benefit details and savings balances.
3. Include caring responsibilities, disability benefits and relevant housing costs.
4. Use the official calculator or ask for a benefits check.
5. If you apply, ask about backdating.
6. After an award, check which additional help requires a separate application.

Check rather than assume: your home, savings or private pension do not answer the eligibility question on their own.

Pension Credit: frequently asked questions

Is Pension Credit paid automatically with the State Pension?

No. Pension Credit is separate and requires an application. Receiving your State Pension does not mean you have been assessed for Pension Credit.

Can you claim Pension Credit if you are still working?

Working does not automatically rule you out, but earnings are included in the assessment under the relevant rules. Your age, income and circumstances still need to be checked.

Can you claim years of missed Pension Credit?

A new claim can normally be backdated by up to three months if you were eligible. It does not normally recover years of missed payments.

Should you check again if you were previously turned down?

A previous decision reflects your circumstances and the rules at that time. Consider checking again after a change in income, a bereavement, new caring responsibilities or a qualifying disability benefit award. Annual rate changes can also affect the calculation.

If you already receive Pension Credit, report relevant changes to the Pension Service.

Sources and how this guide was checked

This guide was checked against official eligibility, rate and application guidance on 1 October 2026.

• GOV.UK: Pension Credit overview
• GOV.UK: eligibility, income and savings
• GOV.UK: payment rates and additional amounts
• GOV.UK: applications and backdating
• GOV.UK: Winter Fuel Payment

This article provides general information, not personalised benefits advice. Entitlement depends on individual circumstances. Rates and rules can change; use official guidance or a qualified benefits adviser for help with your claim.

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