Can The Council Check My Savings?

If you are one of those individuals who are concerned about whether or not the local council authorities can check your savings, you will find help in the blog post below. Many people worry that the local council may be able to check their bank accounts and find out how much money they have saved. It’s a valid concern, and in this blog post, we’ll explore the rules and regulations that determine whether or not the local council can access your savings and are possible consequences of the local authorities gaining access to your bank account details.

Can The Council Check My Savings?

The answer to this question is yes, the local council in the UK can check your savings. These include the following: 

  • Property (excluding your main residence)
  • Joint Savings
  • Income Bonds
  • Premium Bonds
  • Stocks And Shares

This means that they will have access to information about how much money you have in your bank accounts and any investments that you have made. These include the following sources:

  • Bank Statements
  • Building Society Statements 
  • Post Office Books
  • Investment and Share Certificates
  • Professional Property Valuation (other than the property you live in)
  • National Savings Certificates
  • Annuity Or Trust Fund Documents
  • Premium Bonds

The reason why the local council needs to check your savings is so that they can make sure that you are not over-claiming benefits or entitlements that you are not eligible for. For example, if you are claiming Housing Benefit, the housing element of Universal Credit or any other means-tested benefit and you have savings above the £16,000 threshold, then this could affect how much benefit you are entitled to receive or if you will even qualify for the benefit or not. 

Similarly, if you are applying for a Council Tax discount, then the local council will want to make sure that you are not claiming a discount that you are not entitled to. In some cases, the local council may require you to provide proof of your savings before they will grant you a discount. 

In addition to this, if you are eligible for social care costs to be covered by your local council authorities, they would need to check your savings to make sure they do not exceed the £23,250 upper capital limit. The amount that the council will contribute towards your social care will depend on how much you have in savings.

Finally, if you are applying for Council Housing, then your savings may also be taken into account when assessing your application. If you have a large amount of savings, then this may affect your eligibility for Council Housing as well as the amount of rent that you will have to pay each month. 

Can You Get Council Tax Reduction If You Have Savings?

Yes, you can get Council Tax Reduction (CTR) if you have savings; however, your savings should be less than £16,000 if you wish to qualify for a discount on your council tax bill. If you are married or have a civil partner, the council authorities will also take their savings into account when they assess you for CTR.

While councils have the authority to make their own rules regarding the eligibility criteria for Council Tax Reduction, being on a low income or having savings below £16,000 is a common criterion across councils that qualify an individual for a discount on their council tax bill.

However, if a claimant receives the guarantee part of the Pension Credit, their savings will not be taken into account concerning an application for Council Tax Reduction.

It is advisable to remain open and honest in declaring your savings. If a claimant is found to hide their savings on purpose whether to claim benefits or remain eligible for council support, they will be taken as guilty of fraud council authorites and can face a hefty fine or even a prison sentence as a penalty.

Can You Get Council Housing If You Have Savings?

Whether or not you can get council housing if you have savings will depend on the amount of savings you have. When applying for council housing in the UK, the local council will take a look at your financial situation to determine whether you are eligible for housing. 

They will check your income, employment status and other financial information, but they will also consider your savings. The amount of savings you have will affect your eligibility, as it could indicate that you can afford alternative housing. 

If you have significant savings in the bank, (most council authorities tend to agree on £50,000 as the upper limit for savings) the local council may decide that you can afford to rent or purchase a home on the open market. However, if your savings are minimal or non-existent, you may be considered as having an urgent need for housing. As such, your application for council housing is likely to be successful.

It is important to remember that the local council is only interested in assessing your current financial situation and not in your long-term savings goals. If you can provide evidence that you are working towards saving for a deposit for a home, this could be taken into consideration. Ultimately, the decision will depend on the assessment of your total financial situation.


In conclusion, the local council in the UK can check your savings in the bank and this information may be used to determine the benefits and entitlements that you are eligible for. Therefore, it is important, to be honest, and provide accurate information about your finances when applying for any type of benefit or discount from the local council.


Housing benefit & Bank accounts – Benefits and Work Forum

How savings and capital affect Council Tax support

When the council might pay for your social care – NHS