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Tax-Free Childcare or the Universal Credit childcare element?

You cannot use both for the same childcare. Tax-Free Childcare adds £2 for every £8 you pay a registered provider, up to a cap. The Universal Credit childcare element is claimed inside Universal Credit. If you get Universal Credit, that element is the route. Do not open a Tax-Free Childcare account as well.

  • Tax-Free Childcare usually needs you, and a partner, to be in work. Funded hours at a nursery are a third thing. Those are hours, not cash.

GOV.UK, Tax-Free Childcare

Indicative only. Not advice. Confirm it on the official page before you rely on it.

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