Authorities prioritising cash-first Crisis Payments can enable people to address specific needs with dignity and choice, ensuring funds make the biggest possible difference to households while offering value for money. Offering cash payments empowers individuals and families to make informed choices to best suit their circumstances. Crucially, cash-first does not mean cash-only. Adopting a person-centred approach, Authorities should use their professional judgement to identify where a cash payment does not best meet the needs of the applicant and other provision (such as vouchers or goods in-kind) is more appropriate. Note: Authorities across England can and already do use a range of systems to disburse cash payments quickly and effectively. Authorities are not required to distribute physical cash or directly transfer funds to Crisis Payment recipients, though both methods are available if the Authority opts to use them.

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There are a variety of options available to Authorities to enable cash transfers including a variety of ‘cash-out’ voucher mechanisms that provide the simplicity of issuing a voucher with the flexibility of a cash-payment for the recipient. Annex C details the mechanisms available for delivering a cash-first approach.

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Where an Authority determines that direct payment in-kind to a creditor (such as a landlord, utility provider or other creditor) is the most appropriate mechanism of support, the Authority should undertake robust due diligence. This includes verifying the debt and creditor details, obtaining applicant consent, assessing the likely impact on preventing hardship and ensuring compliance with fraud-prevention and safeguarding protocols to prevent misuse or duplication. Wiltshire Council is working with local charities to provide a cost effective and creative carpeting solution for social housing residents that cannot afford flooring. It is standard practice across social housing for properties to be allocated unfurnished and without flooring. Carpet acts as a form of insulation to help reduce energy bills, noise and improves comfort for households.

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Living without carpet can impact people’s mental and physical health. Wiltshire Council has allocated a proportion of the Household Support Fund (HSF) to furniture charity Kennet Furniture Refurbiz (KFR) for a scheme to acquire repurposed carpet tiles, sourced from The Salvation Army Trading Company (SATCoL). Councillor Clare Cape, Cabinet Member for Public Health and Co-ordination with the NHS, said “Many residents moving into social housing struggle to afford flooring. Our partnership with KFR has enabled us to provide targeted support which has a lasting and sustainable impact for some of the most vulnerable people in our community”. SATCoL’s Flooring Reuse Programme will give those referred by the HSF access to good quality repurposed flooring, making their homes warmer and more comfortable, whilst helping to sustain our planet. London Borough of Barking and Dagenham (LBBD) has been delivering cash-first support since the pandemic. To date, just over £2.7 million in direct cash payments has been disbursed by the Welfare Benefits Team through their LWA and Household Support Fund schemes. Having been so successful, the cash-first method has been adopted across the authority with a further £1.4 million disbursed to date through the NRPF, Adult Social Care and Children’s Services teams. Taking a cash-first approach, cash payments are prioritised over other types of support depending on people’s needs and considering any known vulnerabilities. LBBD use a Pay by Text platform, delivered by Cash Perks with full ATM network access for withdrawal, that allows staff to swiftly set up payments in increments of £10s (up to a maximum of £500) with PIN codes which are shared directly with individual residents with mobile phones.

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Authorities should use their discretion to prioritise funding efficiently within their own CRF schemes, including when considering how best to support families in crisis to ensure the poorest children do not go hungry in the school holidays. This may or may not be through the blanket provision of vouchers to those on free-school meals, as we recognise that some Free School Meal eligible families may not routinely need crisis support during every school holiday. Authorities should consider how best to support the poorest and most in need households. In considering how to provide support, it is important Authorities adopt the same principles outlined in the Crisis Payments section of the guidance. This includes supporting families on a needs-based basis to understand the relative need of support, the most appropriate type of award (cash, voucher or goods in-kind) and how families can be directed to wraparound support to build their financial resilience.

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Authorities should also consider how the needs of affected families will continue to be met through the CRF’s Resilience Services and Authorities’ wider local welfare offer. There are around 15,000 ATM machines across the UK which are typically accessible on a 24/7 basis. Using this system allows LBBD teams to distribute cash payments within minutes if required. Using this cash-first system has significantly cut staff administrative time and costs at LBBD.

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Most payments are rapidly accessed by customers but teams can set expiration dates enabling the reimbursement of any unspent funds directly back into available balances to be allocated. Cornwall Council has taken a ‘cash-first’ approach to the delivery of discretionary crisis support across the county since 2013.

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There will be instances where awarding vouchers is preferable to cash payments. Examples include, but are not limited to, individuals with underlying conditions not suiting large amounts of cash (such as gambling or substance addictions) and individuals stating a preference for a voucher. Authorities should treat awards on a case-by-case basis and use their discretion when to award vouchers over cash payments. In the provision of vouchers, Authorities are still expected to adopt a person-centred, needs-based approach and consider how this payment will provide a gateway to Resilience Services. There may be instances where provision of goods in-kind is the most appropriate mechanism of Crisis Payment as Authorities can use their economies of scale to obtain items that are of better value for money than if the applicant purchased directly.

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This could include where an individual is moving into unfurnished accommodation or the breakage of essential items, such as fridge-freezers and cookers. Where an Authority has determined that in-kind provision of goods is the most appropriate approach, we encourage Authorities to consider opting for more energy efficient white goods and electrical items and durable furniture items. Authorities may wish to consider partnerships with re-use networks for sustainable, quality and cost-effective furniture provision. In purchasing goods in-kind, Authorities should consider environmental impacts where possible, including refurbished items (if in suitable condition with long-warranties), energy efficiency, contain recycled or responsibly sourced materials and have minimal packaging. For more guidance, see the Government Buying Standards). When providing awards, Cornwall Council works with customers to find help that best suits customer’s needs in keeping with the ‘cash-first but not cash only’ principle. Usually, this means the disbursement of immediate cash payments. To do this, Cornwall Council distributes Post Office cash out vouchers which are issued through text messages, emails or letters. 99% of the UK population must be within 3 miles of their nearest post office and in Cornwall, where much of the population lives in rural areas, post offices are far more convenient to access than supermarkets. Cornwall Council takes a cash-first approach to their crisis support because it best suits customers in terms of dignity and choice, allows for the quickest and most convenient routes to accessing immediate help and is simple and straightforward to administer. When applications for discretionary support are made, Cornwall Council representatives also provide direct advice and support to maximise customers’ income, whether an application is successful or not. Cornwall Council also works with partners across Cornwall to help raise awareness of ways people can access cash-first options and any existing financial entitlements including through Cornwall’s ‘Worrying About Money?’ resources. In 2024, Leeds City Council (LCC) introduced cash awards through the Local Welfare Support Scheme following a pilot with Trussell. To date, 894 cash awards have been made, totalling £168,555. Applications are submitted online and subject to rigorous verification, including checks on savings, income, identity and address. Quality assurance processes have been implemented to mitigate fraud and error.

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Awards are administered through the Cash Perks platform, enabling individual and bulk processing. Recipients receive withdrawal instructions and secure codes by text message, allowing near-instant access to funds through participating ATMs.

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Households are directed to further services through Leeds Money Information Centre through texts, emails and signposting. Applicants with council arrears or debts are signposted to additional support such as DHPs, Local Council Tax Support and advice services.

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Having been so successful, the cash-first method has been adopted across the authority with a further £1.4 million disbursed to date through the NRPF, Adult Social Care and Children’s Services teams. Taking a cash-first approach, cash payments are prioritised over other types of support depending on people’s needs and considering any known vulnerabilities. LBBD use a Pay by Text platform, delivered by Cash Perks with full ATM network access for withdrawal, that allows staff to swiftly set up payments in increments of £10s (up to a maximum of £500) with PIN codes which are shared directly with individual residents with mobile phones. There are around 15,000 ATM machines across the UK which are typically accessible on a 24/7 basis. Using this system allows LBBD teams to distribute cash payments within minutes if required.

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Using this cash-first system has significantly cut staff administrative time and costs at LBBD. Most payments are rapidly accessed by customers but teams can set expiration dates enabling the reimbursement of any unspent funds directly back into available balances to be allocated. Cornwall Council has taken a ‘cash-first’ approach to the delivery of discretionary crisis support across the county since 2013. When providing awards, Cornwall Council works with customers to find help that best suits customer’s needs in keeping with the ‘cash-first but not cash only’ principle. Usually, this means the disbursement of immediate cash payments. Through adopting this cash-first approach, LCC have found that it promotes dignity, flexibility and choice. It enables people to shop at preferred retailers, cas no deposit bonus casino sites accommodates diverse dietary needs and reduces travel costs. Cash support does not carry stigma and supports personal choice and wellbeing. From an Authority perspective, LCC has found administration is simplified by combining support into a single award. It avoids expiry issues of vouchers, offers flexible values and provides visibility of withdrawals. Cash awards can present heightened risks of fraud, theft and potential misuse. Though to date, LCC has reported that cases remain low due to mitigations in place. There will be instances where awarding vouchers is preferable to cash payments.

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Authorities are not required to distribute physical cash or directly transfer funds to Crisis Payment recipients, though both methods are available if the Authority opts to use them. There are a variety of options available to Authorities to enable cash transfers including a variety of ‘cash-out’ voucher mechanisms that provide the simplicity of issuing a voucher with the flexibility of a cash-payment for the recipient. Annex C details the mechanisms available for delivering a cash-first approach. London Borough of Barking and Dagenham (LBBD) has been delivering cash-first support since the pandemic. To date, just over £2.7 million in direct cash payments has been disbursed by the Welfare Benefits Team through their LWA and Household Support Fund schemes. Examples include, but are not limited to, individuals with underlying conditions not suiting large amounts of cash (such as gambling or substance addictions) and individuals stating a preference for a voucher.

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To do this, Cornwall Council distributes Post Office cash out vouchers which are issued through text messages, emails or letters. 99% of the UK population must be within 3 miles of their nearest post office and in Cornwall, where much of the population lives in rural areas, post offices are far more convenient to access than supermarkets. Cornwall Council takes a cash-first approach to their crisis support because it best suits customers in terms of dignity and choice, allows for the quickest and most convenient routes to accessing immediate help and is simple and straightforward to administer. When applications for discretionary support are made, Cornwall Council representatives also provide direct advice and support to maximise customers’ income, whether an application is successful or not. Cornwall Council also works with partners across Cornwall to help raise awareness of ways people can access cash-first options and any existing financial entitlements including through Cornwall’s ‘Worrying About Money?’ resources.

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In 2024, Leeds City Council (LCC) introduced cash awards through the Local Welfare Support Scheme following a pilot with Trussell. To date, 894 cash awards have been made, totalling £168,555. Applications are submitted online and subject to rigorous verification, including checks on savings, income, identity and address. Quality assurance processes have been implemented to mitigate fraud and error. Awards are administered through the Cash Perks platform, enabling individual and bulk processing. Authorities should treat awards on a case-by-case basis and use their discretion when to award vouchers over cash payments. In the provision of vouchers, Authorities are still expected to adopt a person-centred, needs-based approach and consider how this payment will provide a gateway to Resilience Services. There may be instances where provision of goods in-kind is the most appropriate mechanism of Crisis Payment as Authorities can use their economies of scale to obtain items that are of better value for money than if the applicant purchased directly. This could include where an individual is moving into unfurnished accommodation or the breakage of essential items, such as fridge-freezers and cookers. Where an Authority has determined that in-kind provision of goods is the most appropriate approach, we encourage Authorities to consider opting for more energy efficient white goods and electrical items and durable furniture items. Authorities may wish to consider partnerships with re-use networks for sustainable, quality and cost-effective furniture provision. In purchasing goods in-kind, Authorities should consider environmental impacts where possible, including refurbished items (if in suitable condition with long-warranties), energy efficiency, contain recycled or responsibly sourced materials and have minimal packaging. For more guidance, see the Government Buying Standards). Where an Authority determines that direct payment in-kind to a creditor (such as a landlord, utility provider or other creditor) is the most appropriate mechanism of support, the Authority should undertake robust due diligence. This includes verifying the debt and creditor details, obtaining applicant consent, assessing the likely impact on preventing hardship and ensuring compliance with fraud-prevention and safeguarding protocols to prevent misuse or duplication. Wiltshire Council is working with local charities to provide a cost effective and creative carpeting solution for social housing residents that cannot afford flooring. It is standard practice across social housing for properties to be allocated unfurnished and without flooring.

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Recipients receive withdrawal instructions and secure codes by text message, allowing near-instant access to funds through participating ATMs. Households are directed to further services through Leeds Money Information Centre through texts, emails and signposting. Applicants with council arrears or debts are signposted to additional support such as DHPs, Local Council Tax Support and advice services. Through adopting this cash-first approach, LCC have found that it promotes dignity, flexibility and choice. It enables people to shop at preferred retailers, cas no deposit bonus casino sites accommodates diverse dietary needs and reduces travel costs.

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Cash support does not carry stigma and supports personal choice and wellbeing. From an Authority perspective, LCC has found administration is simplified by combining support into a single award. It avoids expiry issues of vouchers, offers flexible values and provides visibility of withdrawals. Cash awards can present heightened risks of fraud, theft and potential misuse. Though to date, LCC has reported that cases remain low due to mitigations in place. Carpet acts as a form of insulation to help reduce energy bills, noise and improves comfort for households. Living without carpet can impact people’s mental and physical health.

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Wiltshire Council has allocated a proportion of the Household Support Fund (HSF) to furniture charity Kennet Furniture Refurbiz (KFR) for a scheme to acquire repurposed carpet tiles, sourced from The Salvation Army Trading Company (SATCoL). Councillor Clare Cape, Cabinet Member for Public Health and Co-ordination with the NHS, said “Many residents moving into social housing struggle to afford flooring.

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Our partnership with KFR has enabled us to provide targeted support which has a lasting and sustainable impact for some of the most vulnerable people in our community”. SATCoL’s Flooring Reuse Programme will give those referred by the HSF access to good quality repurposed flooring, making their homes warmer and more comfortable, whilst helping to sustain our planet. Authorities should use their discretion to prioritise funding efficiently within their own CRF schemes, including when considering how best to support families in crisis to ensure the poorest children do not go hungry in the school holidays. This may or may not be through the blanket provision of vouchers to those on free-school meals, as we recognise that some Free School Meal eligible families may not routinely need crisis support during every school holiday. Authorities should consider how best to support the poorest and most in need households. In considering how to provide support, it is important Authorities adopt the same principles outlined in the Crisis Payments section of the guidance. This includes supporting families on a needs-based basis to understand the relative need of support, the most appropriate type of award (cash, voucher or goods in-kind) and how families can be directed to wraparound support to build their financial resilience. Authorities should also consider how the needs of affected families will continue to be met through the CRF’s Resilience Services and Authorities’ wider local welfare offer.