Claim your Marriage Tax Allownace!

Claim your Marriage Tax Allowance – Teleri Evans

I would like to share this little gold nugget that many of us are probably not aware or may not think they are eligible for – Marriage Tax Allowance.

If you’re married or in a civil partnership, the Marriage Tax Allowance allows you to transfer £1,250 of your personal allowance (the amount you can earn tax-free each tax year) to your spouse or civil partner, if they earn more than you.

To be honest, I didn’t think I was eligible for this as both myself and my husband work full time and earn similar salary, and I was fortunate to receive an enhanced maternity pay while I was on maternity leave in 2015-2016 and again in 2018-19. I’ve always thought it was a benefit for married couples where one is working part time or a stay at home parent.

However, being half Cardi and constantly looking for opportunities to save and make money, I thought I would ‘give it a go’ and submit a claim for the financial years I was on maternity leave.

A week later, my husband received a cheque for £1200! He did a victory dance in the kitchen clutching the brown envelope and cheque from the Tax Man, and I was sending text messages to everyone I know who married with kids about Marriage Tax Allowance.

Who can get the Marriage Tax Allowance?

Only people with specific circumstances will be able to apply:

  • You’re married or in a civil partnership. Sorry, living together doesn’t count.
  • One of you needs to be earning less than the £12,500 between 6 April 2019 and 5 April 2020. The rates differ for previous financial years.
  • The other partner needs to be a basic 20% rate taxpayer – this means you’d normally need to earn less than £50,000. Higher or additional-rate taxpayers aren’t eligible for this allowance.
  • You both must have been born on or after 6 April 1935.

Basically, one of you must be a non-taxpayer and one must be a basic-rate taxpayer.

Or, think of it this way…

If you or spouse / civil partner’s income has decreased at any point since April 2015 due to:

  • changing from full to part time employment,
  • been on maternity/paternity leave,
  • on a career break to look after family, and income is less than £12,500

Good news! you may be eligible.

Even if your income was decreased for a short period of time for example maternity leave, you can backdate your claim by up to four tax years (currently 2015/16, 2016/17, 2017/18 and 2018/19).

For example, I submitted a Marriage Tax Allowance claim in for:

  • 2015/16 and 2016/17, as I was on maternity leave from mid May 2015 and May 2016.
  • 2018/19 and 19/20, as I was on maternity leave between July 2018 and July 2019.

This means that if you claim today and backdate the maximum four years, you might receive a cheque from HMRC!

URGENT! Time is running out to claim for 2015/16. From what I see you need to get these in before 11:59pm on April 5th, before the new tax year begins.

How to apply for marriage tax allowance

It really is very simple, and only takes a few minutes – just use the application at HMRC This service is also available in Welsh too.

Before you start, you’ll need:

  1. both your national insurance numbers


  1. one forms of ID eg passport for the non-taxpayer. Other forms of ID can be supplied and information is available on the HMRC website.


  • It’s the non taxpayer / person who earns less than £12,500 who must apply to transfer their allowance.
  • If the taxpayer applies / person who earns the most, you’re doing it the wrong way round and it won’t work.

After going through the application process, you’ll immediately be informed that your application has been received via email. If you are eligible, the tax payer will receive confirmation and cheque by post within 10 working days.

Was your claim successful?

I would love to hear your story and if your claim was successful. Share your success stories not only with your family and friends who may also be eligible, but also with Mam Cymru by using hashtag #tobedefined.

Further information:

The information supplied here is based on my experience applying for Marriage Tax Allowance and using the guidelines published on the Money Saving Expert website and HMRC website in February 2020. The information provide above was correct at the time of writing and it is subject to change after 5 April 2020. (English only) (English or Welsh)

A massive thank-you to Teleri for sharing this pearl of information with us, let us know if your claim is succesful and go for it…urgently! Pob lwc! Good luck!

If you have a story or tips to share with us email

Heulwen Davies, Mam Cymru

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