Older state pensioners in the UK can cut their TV Licence bill down to £0 in just 16 minutes if they meet certain criteria. Currently, a TV Licence costs £174.50 per year (or £58.50 if you have a black and white TV set) following a £5 price hike in April this year, adding an extra 42p to monthly household bills. You need a TV Licence to watch or record programmes on a TV, computer, or other device on any channel or service as they are broadcast – including on-demand BBC programmes on BBC iPlayer.

The UK government decided that the TV Licence fee would increase in line with inflation from April 1, 2024, for the remaining four years of the Charter period, which runs until the end of 2027, meaning households face at least two more years of price hikes in April. But for older state pensioners aged 75 and over, and on a low income, it’s possible to cut the TV Licence fee down to £0 simply by claiming one DWP benefit: Pension Credit.

Pension Credit provides extra money to people over State Pension age and on a low income, and is worth more than £3,900 per year on average, according to the government.

The benefit tops up your weekly income to £227.10 if you’re single, or your joint weekly income to £346.60 if you have a partner, but it also unlocks access to other financial support too – including a free TV Licence.

Pension Credit acts as a gateway benefit to a swathe of other financial help for pensioners, including access to things like Housing Benefit, a Winter Fuel Payment, a Council Tax discount, help with NHS dental treatment, glasses and transport costs, and a free TV Licence if you’re aged 75 or over.

According to the Department for Work and Pensions (DWP), it only takes 16 minutes on average to apply, and by doing so, you can unlock thousands of pounds worth of extra financial support.

If you already get Pension Credit then you can apply for a free TV Licence when you’re 74, but you’ll need to continue paying for your licence until the end of the month before your 75th birthday. After this, you’ll be covered by your free licence.

For those who don’t meet the eligibility criteria for Pension Credit, there are other ways to reduce your TV Licence bill, or avoid it altogether.

According to TV Licensing, you should cancel your TV Licence if you no longer watch live on any channel, TV service or streaming service, or use BBC iPlayer. So if you fall into this category, you can cancel your licence and may be eligible for a refund if, before your licence expires, you won’t be doing any of the following:

• watching TV on any channel, like BBC, ITV, Channel 4, U&Dave and international channels
• watching TV on pay TV services, like Sky, Virgin Media and EE TV
• watching live TV on streaming services, like YouTube, Netflix, and Amazon Prime Video.
• using BBC iPlayer

This includes recording and downloading programmes on any device.

But if you still need your TV Licence there are other ways to reduce the cost. If you live in a residential care home, supported housing or sheltered accommodation, then you may be entitled to a reduced fee TV Licence, and if you’re blind (severely sight impaired) and can provide the appropriate evidence, you can apply for a 50% discount on your TV Licence. But if neither of these apply then you’ll have to pay for a TV Licence at the full rate.

If you don’t meet the eligibility criteria for Pension Credit, or qualify for a reduced fee TV Licence, then there are still a few options to save money.

TV Licences are per household, not per person, so if you live in a house with several people you don’t all need to have one and could all chip in to share the cost of one licence. Instead, you can share a TV Licence among the whole household if you watch TV in a single shared area, or have a joint tenancy agreement. But if you have separate tenancy agreements and watch TV in your own room then you will need to pay for your own.

You also don’t need a TV Licence to watch streaming services, such as Netflix and Disney Plus, on-demand TV through services like All 4 and Amazon Prime Video, videos on websites such as YouTube, or DVDs and Blurays. So if you’re happy to just stick to watching any of these, and not watch or record any live TV or BBC iPlayer, you can save yourself £174.50. But if you do watch or record live TV without a TV Licence then you can be issued a fine of up to £1,000.