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797525

registered interest
date	29/11/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what comparative assessment he has made of levels of indebtedness among people who use (a) bank accounts and (b) Post Office Card Accounts for payment of pensions and benefits.
tabling member constituency	Central Ayrshire
tabling member printed	Dr Philippa Whitford
uin	116488
answer	answer is ministerial correction date of answer 04/12/2017 answer text <p>The Department has not carried out a comparative assessment.</p><p> </p><p>In line with our wider policy on financial inclusion we have always made it clear that payment into a bank, building society or credit union is the preferred way pension and benefits are paid. Access to appropriate mainstream financial services, that meet the customer’s needs, is important to support personal and financial independence. There are now fewer barriers to prevent people from using bank accounts. The nine largest personal current account providers in the UK are legally required to offer basic bank accounts to customers who do not have a bank account or who are ineligible for a bank’s standard current account, provided that the customer is legally resident in the EU. Basic bank accounts minimise the risk of unarranged overdrafts and end bank charges if a direct debit or standing order fails.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 04/12/2017 14:05:44 answering member 4142 label Biography information for Guy Opperman
tabling member	4385 label Biography information for Dr Philippa Whitford

776090

registered interest
date	23/10/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many letters his Department has issued asking people to have their state pension or benefits paid into a bank, building society or credit union account rather than a Post Office account.
tabling member constituency	Central Ayrshire
tabling member printed	Dr Philippa Whitford
uin	108977
answer	answer is ministerial correction date of answer 26/10/2017 answer text <p>Since September 2015 the Department has written to around 900,000 DWP, HMRC and Department for Communities (DfC) Post Office card account users about receiving their pension or benefit payments into a bank, building society or credit union account</p><p> </p> answering member constituency Hexham answering member printed Guy Opperman question first answered 26/10/2017 13:45:20 answering member 4142 label Biography information for Guy Opperman
tabling member	4385 label Biography information for Dr Philippa Whitford

776091

registered interest
date	23/10/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, which areas of the country have been targeted by his Department for letters asking people to have their state pension or benefits paid into a bank, building society or credit union account rather than a Post Office account.
tabling member constituency	Central Ayrshire
tabling member printed	Dr Philippa Whitford
uin	108978
answer	answer is ministerial correction date of answer 26/10/2017 answer text <p>Letters are issued randomly across the UK with no geographical targeting.</p> answering member constituency Hexham answering member printed Guy Opperman question first answered 26/10/2017 13:44:02 answering member 4142 label Biography information for Guy Opperman
tabling member	4385 label Biography information for Dr Philippa Whitford

776245

registered interest
date	23/10/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what advice his Department provides to vulnerable customers switching from a Post Office Card account to a bank account in order to manage their benefits and tax credit payments.
tabling member constituency	Pontypridd
tabling member printed	Owen Smith
uin	109032
answer	answer is ministerial correction date of answer 26/10/2017 answer text <p>A dedicated telephone service has been set up and aims to support Post Office card account users, who can, into mainstream banking. Customers who receive a letter about how their payments are made can call free to ask questions and if required will be provided with information to help them choose an account that’s right for their circumstances.</p><p> </p><p>This could include continuing to receive payments into their POca, as while the majority of pension and benefit payments are paid into a bank account some customers, including those who are vulnerable, may remain unable to use or access such services.</p><p> </p> answering member constituency Hexham answering member printed Guy Opperman question first answered 26/10/2017 13:41:58 answering member 4142 label Biography information for Guy Opperman
tabling member	4042 label Biography information for Owen Smith

756085

registered interest
date	04/09/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what his Department's policy is on paying benefits to claimants who do not have a bank account.
tabling member constituency	Birkenhead
tabling member printed	Frank Field
uin	7262
answer	answer is ministerial correction date of answer 12/09/2017 answer text <p>Direct Payment (DP) into a bank, building society, or credit union account is the safest and most cost-effective method used to make customer benefit and pensions payments. DWP is committed to tackling financial exclusion and helping more people to move towards, and benefit from, mainstream banking but we do recognise that some customers remain unable to access or use such services. Arrangements are in place to ensure those customers can access their money.</p> answering member constituency Gosport answering member printed Caroline Dinenage question first answered 12/09/2017 16:10:04 answering member 4008 label Biography information for Dame Caroline Dinenage
tabling member	478 label Biography information for Lord Field of Birkenhead

705739

registered interest
date	27/02/2017
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what estimate his Department has made of the savings accrued to the public purse as a result of the change from cash payment to direct payment into bank accounts and the Post Office Card Account of benefits since that change came into effect.
tabling member constituency	Chichester
tabling member printed	Mr Andrew Tyrie
uin	65798
answer	answer is ministerial correction date of answer 07/03/2017 answer text <p>DWP is committed to battling financial exclusion and is offering support to help more customers move into banking.</p><p> </p><p>We have interpreted this question to be about the change from Order Books and Cheque payments. There has been a considerable reduction in method of payment costs, however, detailed information on the savings accrued is not available and could only be provided at disproportionate cost.</p> answering member constituency Romsey and Southampton North answering member printed Caroline Nokes question first answered 07/03/2017 16:52:35 answering member 4048 label Biography information for Caroline Nokes
tabling member	112 label Biography information for Lord Tyrie

100275

registered interest
date	21/10/2014
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Social Security Benefits: Payment Methods
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what the cost is to the Government for each transaction for (a) pension payments and (b) benefit payments paid into a (i) Post Office card account, (ii) bank account and (iii) simple payment scheme.
tabling member constituency	East Lothian
tabling member printed	Fiona O'Donnell
uin	211235
answer	answer is ministerial correction date of answer 27/10/2014 answer text <p /> <p>The cost to Government for making payments into a Post Office Card Account are £0.50, into a bank account £0.04497 and by Simple Payment £3.60. These costs are applicable to both pension and benefit payments.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 27/10/2014 14:05:05 answering member 220 label Biography information for Steve Webb
tabling member	3964 label Biography information for Fiona O'Donnell