State pensioners across the UK have benefited from an income boost this year thanks to a 4.1% uprating to the State Pension in line with the triple lock.

The uprating, which took effect at the start of the 2025/26 financial year in April, increased the full basic State Pension to £176.45 per week and the full new State Pension up to £230.25 per week. According to the Department for Work and Pensions (DWP), the rise will provide an extra £360 per year to older pensioners on the full basic State Pension, while those who get the full new State Pension will be an extra £470 per year better off under the new rates. Pensioners typically receive their pension payments every four weeks, but exactly when your money lands in your bank account is determined by your National Insurance number.

Payments can be disrupted from month to month due to bank holidays, forcing the DWP to send money into bank accounts earlier than normal, but as no bank holidays fall in November, State Pension payments will be going out as normal.

Pensioners can determine their usual State Pension payment day by looking for the two digit code at the end of their National Insurance number, as this specifies the day of the week that payments are issued. This is how National Insurance numbers correspond to payment days:

• 00 to 19 – paid on Monday
• 20 to 39 – paid on Tuesday
• 40 to 59 – paid on Wednesday
• 60 to 79 – paid on Thursday
• 80 to 99 – paid on Friday

So if your National Insurance number ends in 00 to 19 then you will be paid on a Monday in November, while those with numbers between 20 and 39 will get their payment on a Tuesday, and so on.

Whether this is at the start of the month or towards the end depends on the date you selected to get your first State Pension payment.

The DWP explains: “You’ll be asked when you want to start getting your State Pension when you claim. Your first payment will be no later than 5 weeks after the date you choose. You’ll get a full payment every 4 weeks after that.

“You might get part of a payment before your first full payment. The letter confirming your State Pension payment will tell you what to expect.

“The day your pension is paid depends on your National Insurance number. You might be paid earlier if your normal payment day is a bank holiday.”