Have I committed fraud?

Agreed, but if asked to provide all bank statements and income, whether exempt to your claim or not ~ all bank statements should be provided.
There is a declaration somewhere within UC to advise universal credit are enabled to contact banks to request all financial details of each of their clients ~ and they do opt to take this route from time to time; fully accept there is nothing in the other accounts to affect the claim which is why it makes sense for them to submit all information

If you are getting the same amount of uc as you would of if you had declared everything properly in failing to see how its “fraud” or why anyone would care if you just explain you made a mistake.

google convicted benefits fraudsters and there’s always a specific amount they swindled. If you’ve swindled nothing it’s not fraud

I have. And while child maintenance might be disregarded I imagine they will want to take a close look at the OPs finances as most people would think operating three bank accounts under three different names is a bit questionable.

You should declare them all. Maintenance is disregarded but just showing them one account with transfers in from your other two will look as though you are trying to hide a source of income. Share the information and explain it was just a mistake at the earliest opportunity.

The powers were passed and are active as of last week via kings assent.
I’ve commented about it further back

Sorry to disappoint you but she won't get into trouble because she hasn't committed fraud and has received the UC she's entitled to.

I send/lend/give money on occasion to someone on UC.
This has never been a problem.
But you do need to declare all accounts.
There was talk of the government granting powers to search accounts recently, but I'm not sure what happened with that.

RTFT!

She won't, your children won't miss out FFS 🙄

You can disagree with the system
but the OP does not have to declare child maintenance as income

Child maintence is disregarded

How is having 3 bank accounts with no money in them 'benefit fraud'? 🤨

RTFT
What is she going to get into trouble for? OP is not committing fraud.

claiming you thought maintenance was disregarded when you own up to juggling money in three bank accounts you are operating under different names is not exactly a brilliant defence is it?

Get in touch with UC and talk through what has happened.

When I first claimed, I had to show statements... basically to prove that I didn't have £16k in savings. This was before Covid though. I know things were a bit more relaxed during the lockdowns as people were not going to the Job Centres.

Child maintenance hasn't been counted towards your income for years. As long as you don't have savings your hiding then everything will be fine. Tell them about the accounts though, they will see it is coming as maintenance, and not from various people as some cash in hand work or something

I have never claimed UC, I assume at the initial claim you just declare your income?
totally agree she now needs to declare all bank accounts, but that does not show any intent to defraud

None of which bears any similarity to OP's situation.

Absolutely. The worst OP is guilty of is an administrative error, certainly not fraud in any legal sense (as desperate as some of these PPs want it to be 🙄 ).

Not entirely. Child maintenance is disregarded, as are small, infrequent monetary gifts. However, large gifts could affect a claimant's UC if it is more than the first savings threshold of £6k (which would result in a proportional reduction in UC up to £16k for the period(s) this amount is held, and then no UC entitlement at all above £16k - the second savings threshold). Similarly, regular gifts e.g. £300pm from parents to help with living costs could be treated as income. Nothing that OP has told us though indicates she would fall foul of these rules as she says she spends everything she has every month (so no savings would accumulate at all, let alone in excess of £6k) and her dad helps her out "sometimes" which, I'm guessing would be when she has an unexpected bill or emergency (like the washing machine breaking down).

When you have a review, you have to declare all bank accounts. Yes, the CM will be disregarded, but a bank account is a bank account so it needs to be declared, even if there is nothing in it.
OP will show the statements and nothing will happen.

Just declare them all and explain that you have no other income except child maintenance.

According to the government website:

“Child maintenance payments will not affect any benefits that you and your children get, including Universal Credit. You will not have to pay tax on them.”

She has declared all income
maintenance is not relevant income

again, I don’t really agree with this, much more focus should be on NRP supporting their children rather than taxpayers.
but based on the current rules the OP has not hidden considered income, she has not committed fraud or received UC she is not entitled to