Step-by-Step Guide to Applying for Marriage Allowance

Navigating tax benefits can often seem daunting, but applying for the Marriage Allowance in the UK is a process that has been streamlined for ease and accessibility. This allowance can provide a welcome financial boost by allowing lower earners to transfer a portion of their tax-free allowance to their partner. If you’re considering applying for the Marriage Allowance, here’s a step-by-step guide to help you through the process. *Guidance correct as of 24/25 tax year.

Understanding Marriage Allowance

Before diving into the application process, it’s important to understand what the Marriage Allowance is. It’s a tax benefit that allows one member of a married couple or civil partnership to transfer up to £1,260 of their Personal Allowance to their higher-earning partner, potentially saving them up to £252 a year on their tax bill.

Eligibility Criteria

To apply for the Marriage Allowance, you must meet the following criteria:

– You are married or in a civil partnership.

– One partner doesn’t earn anything or their income is below their Personal Allowance (usually £12,570).

– The other partner is a basic rate taxpayer (20%).

How to Apply

1. Gather Necessary Information

   – Ensure you have both your and your partner’s National Insurance numbers handy.

   – Have information about your incomes available, as this will be needed during the application process.

2. Online Application

   – Visit the official [GOV.UK website]( to access the online application form.

   – Follow the prompts to input your details and your partner’s details.

   – Submit the application and wait for an email confirmation.

3. Telephone Application

   – If you’re unable to apply online, you can call the HM Revenue and Customs (HMRC) Marriage Allowance helpline at 0300 200 3300.

   – An HMRC representative will guide you through the application process over the phone.

4. Paper Application

   – For those who prefer a paper trail, you can fill out a paper application form.

   – The form can be downloaded from the GOV.UK website or requested from the HMRC helpline.

   – Once completed, mail the form to the address provided.

After You Apply

Once your application is processed, HMRC will update your tax codes. You’ll receive a new tax code ending in ‘M’ if you’re receiving the allowance and ‘N’ if you’re transferring the allowance. This change will be reflected in your paychecks, and you’ll start to see the financial benefits.


Applying for the Marriage Allowance is a simple process that can result in a meaningful reduction in your annual tax bill. Whether you choose to apply online, over the phone, or via a paper application, the steps are user-friendly and designed to make the process as smooth as possible. Remember, the Marriage Allowance is a way to make the most of your combined tax allowances as a couple, so take advantage of it if you’re eligible.

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