HMRC: Britons could get £1,188 tax break – but couples warned to stay alert for ‘scams’


HMRC, or HM Revenue and Customs as it is perhaps more formally known, helps millions of people with their tax affairs each year. However, an action which is little-known is how married couples could be able to get a significant tax break annually. Certain married individuals will be able to slash their tax bill through the Marriage Allowance service offered by HMRC.

Marriage Allowance allows individuals to transfer £1,250 of their Personal Allowance to their husband, wife or civil partner within a tax year.

Each tax year this could reduce a person’s bill by up to £250.

There are, however, certain eligibility criteria which it is worth bearing in mind before looking to claim the tax break.

Marriage Allowance permits people who are earning £12,500 or less transfer the aforementioned sum of their Personal Allowance.

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It is worth noting, though, Marriage Allowance cannot be claimed for couples who are co-habiting, only those in a civil partnership or who are married. 

However, while the payout from Marriage Allowance is entirely genuine, there are certain organisations which could create complications. 

Through correspondence and copycat websites, some firms could be looking to take a cut of funds. 

Some companies insist they will be able to help couples to claim their Marriage Allowance, and at a fast pace.

However, with many of these organisations a fee for their services can apply, meaning couples end up getting less than they had hoped for.

The issue is further exacerbated by the fact married individuals can go to HMRC to apply for the sum for free. 

This is a matter which has been previously addressed by MoneySavingExpert, Martin Lewis on ITV’s This Morning.

He said: “There is no Marriage Allowance company. There are a couple of ‘shyster’ firms on Google who try to advertise to get you to do Marriage Allowance through them.

“You should just be doing it through and its a simple form.

“A lot of these firms are trying to take their cut of it. You don’t need to use a company, it is really easy and there are free guides on how to do it.

“If you are struggling at all, simply call HMRC.”

HMRC has stressed cutting out the middle man is essential for couples who wish to claim.

A statement from the Revenue said applying via will ensure customers receive a guaranteed 100 percent of their eligible entitlement. 

Do you have a money dilemma which you’d like a financial expert’s opinion on? If you would like to ask one of our finance experts a question, please email your query to [email protected]. Unfortunately we cannot respond to every email.


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