Thousands of state pensioners across the UK could receive an early or adjusted payment worth up to £921 in July 2025, simply by checking the last two digits of their National Insurance (NI) number.
This helpful system allows individuals to track when their weekly state pension is paid, and may even qualify them for additional support like Pension Credit, depending on their income level.
How the National Insurance Code Determines Your Payment Date
The Department for Work and Pensions (DWP) uses a systematic approach to disburse pensions. By looking at the last two digits of your NI number, you can determine which weekday your state pension will be deposited.
NI Code and Pension Payment Day
| NI Number Ending | Payment Day |
|---|---|
| 00–19 | Monday |
| 20–39 | Tuesday |
| 40–59 | Wednesday |
| 60–79 | Thursday |
| 80–99 | Friday |
In July 2025, no bank holidays are scheduled, so the payment schedule will mostly remain consistent.
However, in certain cases due to weekends or administrative adjustments, some claimants may receive a lump-sum payout up to £921, depending on their weekly entitlement and number of payments issued within the calendar month.
Understanding the £921 State Pension Payout
The full new State Pension is £230.25 per week as of 2025. Over four weeks, this totals £921, which some retirees may receive in full during July. However, not everyone qualifies for the full amount, as payment depends on an individual’s National Insurance record.
Eligibility for Full or Partial State Pension
To qualify for the full new State Pension, you typically need:
- 35 qualifying years of NI contributions
- Reaching State Pension age (currently 66 in the UK)
If you have fewer than 35 years but more than 10, you may receive a partial pension.
Don’t Overlook Pension Credit – Worth Over £4,200 a Year
Alongside your state pension, the DWP encourages older adults to check eligibility for Pension Credit, a benefit designed to top up low incomes.
Average Pension Credit Support
| Status | Weekly Top-Up Amount |
|---|---|
| Single Pensioner | £218.15 |
| Couple (Combined) | £332.95 |
This benefit can add up to £4,200 a year and unlocks access to other forms of help:
- Council Tax reduction
- Help with rent or housing costs
- Discounted energy bills
- Free or reduced NHS dental and eye care
How to Check Your Eligibility
You can check your NI number and pension schedule through your State Pension forecast, available online via the Government Gateway portal. To determine eligibility for Pension Credit, visit the official DWP Pension Credit calculator and input your income, savings, and circumstances.
By simply checking your two-digit NI code, you can know exactly when to expect your state pension in July, and whether you’re in line for a £921 payout.
Even more importantly, if you’re living on a modest income, applying for Pension Credit could significantly boost your monthly support and connect you to further cost-of-living benefits.
Now is the time to take charge and ensure you’re getting every penny you’re entitled to.
FAQs
What is the two-digit NI code used for?
The last two digits of your National Insurance number determine the day your state pension is paid, from Monday to Friday.
How much is the full State Pension in 2025?
As of 2025, the full new State Pension is £230.25 per week, which totals approximately £921 per month.
Who qualifies for Pension Credit?
UK residents aged 66 or older with low income may qualify. It tops up income and provides access to additional discounts and support.