Full new State Pension 2026/27
2026/27 rate
Who actually gets £241.30
Three things have to be true at once. You reach State Pension Age on or after 6 April 2016 (so you are on the new scheme, not the basic), you have at least 35 qualifying NI years, and you were never contracted out of the additional State Pension between 1978 and April 20161. Miss any one of those and your figure will be lower, sometimes by a lot.
Where the 4.8% came from
The triple lock guarantees an annual uprating equal to the highest of CPI inflation, average earnings growth, or 2.5%. The 4.8% uprating applied in April 2026 reflects the earnings-link component2. The DWP publishes the new rates each November or December for the following April3.
How it is paid
State Pension is paid every 4 weeks in arrears, directly into a bank or building society account4. The day of the week depends on the last two digits of your National Insurance number. You do not have to claim it automatically. You must claim it actively when it is due, otherwise it is treated as deferral.