Can I give dd money monthly via bank transfer if she is on UC.

[ilovemynails]

DD is in full time work on minimum wage. Single parent to 3 children. Her husband died so no other support.
She has no savings at all. I was wondering if I can help with giving her some money per month via bank transfer.
I'm not sure if it's allowed to have savings when on UC.
It will only be about £100 each month.

I'd try and avoid it and give cash instead. UC is a nightmare.

It's absolutely fine. Parents are allowed to help their children.

Yes i'd just give cash instead. Or pay for an online food shop, something like that.

I think you're allowed a small amount of savings if you're on UC, about £5k I think but it's best to find out for sure.

possibly a large online shop for her once a month.

I'd do it buy paying for her monthly Tesco delivery or paying directly for DC clubs.

Give the money in cash or pay for things for her. Better that way.

People saying shopping you could load up a pre-paid supermarket card for hers some give you discounts. Put the £100 on there and she can use it when she goes to the supermarket, similar to a gift card.

As others have said I would use cash or do a foodshop. Just in case

I’d buy her the things she needs instead

Everyone is complicating matters. She can send her daughter £100 monthly without issue.

Do this instead or buy uniform etc

you can but it’s better to help other ways , my dad wanted to do similar but instead we decided that it would be more straightforward if it was cash plus he pays for my food shopping and car.

If your DD has no savings then you can send her £100 per month to help her. It is very kind of you. There will be no problem if she keeps savings under £5k. It sounds like she is in fire need.

A regular cash gift from a relative is allowed but may raise questions in the event of a UC review. You could ask your relative to write you a letter saying she is providing you with a gift of £XXX a month to help with family expenses with no expectation of any reward or service for the money. That would cover you. Probably best as others suggest for your relatative to give you the money in cash or a voucher you can use in the supermarket. Or pay for a large shop once a month.

Cash in hand is always welcome.

Bank statements get scrutinised during reviews. If she has a regular payment from you they may see it as undeclared income. You'd be best giving cash or paying for a shop on your card.

It's fine to do it but DWP are likely to question it and you'll have to write a letter explaining its a gift not for services e.g doing your ironing etc. Not worth the hassle, better to buy her a Tesco gift card (other supermarkets available obvs!)

Thanks for everyone's advice. Things I hadn't thought of. I'll just give cash.
Don't want to get her in trouble with UC.

It's not undeclared income, you're 100% allowed to get gifts.

No advice but just wanted to say what a lovely Mum you are!

It’s totally fine and not complicated. Once or twice a year UC do a review where they look through bank statements and then you have a phone interview. They will ask who payments are from and when you say it’s family that’s fine. My family help me out sometimes and it has not been a problem.

You are completely 100% safe to do this, and it’s fine for it to be a regular bank transfer. Gifts are allowed, regular support from family is allowed. They’ll ask if they do a review and see it, but once she tells them what it is the answer is “that’s no problem.” You don’t need to write a letter or hide it by doing shopping for her or anything like that. Set up a monthly standing order to transfer the money to her account and she will be absolutely fine.

Mumsnetters love to comment on these threads and say that it’s dangerous and she could get in trouble and tell you to hide it etc, and they keep doing it despite being told on multiple threads that it is 100% allowed. Ignore them. Carry on with what you’re doing.

This is complete nonsense.

This. Your dd can have £6k in savings before it affects UC.

DWP have no problem with gifts. If you weren’t a relative they may wonder if regular cash gifts were payment for work, but £100 a month from her DM is neither here nor there.

Or save it and use it to pay for a bigger item or a treat of some kind.