Millions Miss Out on £252 Marriage Allowance Benefit
HMRC figures suggest many couples forgo the Marriage Allowance, missing out on up to £252 in annual tax savings.
HMRC data reveals millions of married couples in the UK are not claiming the Marriage Allowance, losing out on £252 annually. This tax benefit allows eligible couples to transfer a portion of their Personal Allowance, reducing the higher earner's tax bill.
Marriage Allowance Explained
The Marriage Allowance enables a lower-earning spouse to transfer £1,260 of their unused Personal Allowance to their partner, saving up to £252 in tax each year (20% of £1,260).
Am I Eligible?
Eligibility criteria for claiming the Marriage Allowance in 2025/26 are as follows:
- You must be married or in a civil partnership.
- One partner must earn less than the £12,570 Personal Allowance.
- The higher-earning partner must be a basic rate taxpayer, earning under £50,270.
- Neither partner can be claiming the Married Couples Allowance.
How to Claim
Claiming the Marriage Allowance is a straightforward process via the HMRC website. You'll need both National Insurance numbers and proof of identity. Once submitted and approved, the allowance renews automatically unless circumstances change.
Can I Backdate My Claim?
You can backdate claims to 5 April 2021, potentially receiving a lump sum of up to £1,008. This option is beneficial if you've been eligible but haven't claimed in previous years.
Take Action Now
If you are in a couple where one partner earns below the Personal Allowance threshold, take 10 minutes to check your eligibility. It is free money that many couples overlook, and the application process is quick and straightforward.