Tax free childcare

Cost of living support

Tax free childcare

Increase your income!

Make sure you're not missing out on money that you're entitled to

Support with childcare costs

Childcare choices

If you use childcare, paying your approved provider via the Tax Free Childcare scheme can save you money. For every £8 you deposit into the account, the Government will add £2. These funds are then used to pay your childcare provider directly from the account.

The scheme is open to working families where over the next 3 months you and your partner (if you have one) must each expect to earn at least:

This is the National Minimum Wage or Living Wage for 16 hours a week on average.

You cannot get Tax-Free Childcare at the same time as claiming Working Tax Credit, Child Tax Credit, Universal Credit or childcare vouchers. Which scheme you’re better off with depends on your situation.

To find out of you are entitled to help with your childcare costs via Universal Credit, use the Fife Benefit Checker Benefit calculator or if you have no entitlement to benefits, use the childcare calculator to work out which type of support is best for you.

The Tax free Childcare accounts can be used alongside the 1,140 hours of funded early learning and childcare from the Scottish Government if your child is eligible.

Full details of Funded Early learning and childcare along with the Tax Free Childcare scheme with links to open an account can be found here: Help paying for childcare - mygov.scot


Following the Spring budget announcement on Wednesday 15th March 2022, the DWP confirmed The Universal Credit childcare cost cap would rise in the summer meaning the Government will pay more of parents' childcare costs, increasing in line with CPI each year until 2027-28.

Parents will now also be further supported with upfront childcare costs. This removes any gap in funds which would currently be claimed in arrears and eases parents into the childcare costs payment cycle.

Details on how to claim upfront costs will be confirmed in due course, but in the meantime talk to your work coach after you’ve made your claim.


If you have any questions or need help to apply, the following agencies can help:

Before you call, this helpline may ask you some security questions. Make sure your personal details and address are up to date in your personal tax account or you could fail telephone security. If you do not already have a personal tax account, you can set one up.

  • Telephone: 0300 123 4097
  • Textphone: 0300 123 9232
  • Opening times: Monday to Friday: 8am to 6pm. Closed on Saturdays, Sundays and Bank Holidays.

  • Telephone: 0345 1400 095
  • Opening times: Monday to Friday, 10am to 3pm.

  • Telephone: 0800 952 0330
  • Opening times: Monday to Friday, 9am to 5pm. ( One Wednesday per month, lines do not open until 10am)
  • You can request a call back or arrange a Cost of Living appointment via the website: Book a Cost of Living appointment | Fife Council

  • Telephone: 01592 725 210
  • Email: info@fifegingerbread.org.uk
  • Opening Times: Monday to Thursday, 9am to 5pm, Friday 9am to 3.30pm.

  • If you already use a Fife Council provision, please speak with any member of the childcare staff who can arrange for a member of the team to contact you.
  • If you are considering using a Fife Childcare provision, please contact the service directly, details can be found here: Childcare in Fife | Fife Council