# Should I opt out of Child Benefit because of HICBC?

> Quick answer · Last updated 4 July 2026

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## In short

Not always — you can claim, pay the High Income Child Benefit Charge via Self Assessment, and keep NI credits. Alternatively register for Child Benefit without receiving payments to preserve credits without the charge.

HICBC applies when adjusted net income exceeds £60,000 — partner income counts too.

Opting out without registering loses NI credits for the non-working parent.

See HICBC guide and Child Benefit explained.

## Related

- [High Income Child Benefit Charge](https://moneyguide.org.uk/benefits-tax/high-income-child-benefit-charge/)
- [Child Benefit explained](https://moneyguide.org.uk/benefits-tax/child-benefit-explained/)

## Primary source

gov.uk/child-benefit-tax-charge

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.