DWP Publishes Code for Bank Data Checks on Benefits

Overview

• The Department for Work and Pensions released a Code of Practice for Eligibility Verification Notices that sets the rules for new bank checks on benefit claims.
• Under an EVN, a bank searches its own records for set signals in accounts already receiving these benefits, such as savings above capital limits or signs of long stays overseas, including linked or joint accounts where needed.
• The checks at launch cover Universal Credit, Pension Credit and Employment and Support Allowance and only current, savings and investment accounts, with any expansion requiring approval by both Houses of Parliament.
• The code bars banks from sharing transaction histories, spending details, full financial statements or special‑category data, and any matches only prompt further inquiry rather than an automatic decision.
• The programme begins with a small pilot using a few banks, with independent yearly reviews and a route for institutions to seek internal review or appeal notices to the First‑tier Tribunal.