# What are Child Benefit National Insurance credits?

> Quick answer · Last updated 4 July 2026

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## In short

Free NI credits toward State Pension for parents under State Pension age who claim Child Benefit but earn below the NI lower earnings limit — protecting pension entitlement while caring for children.

Credits attach to the named claimant — register the lower earner if one parent is not working.

You can register for credits without receiving payment if you opt out due to HICBC.

See Child Benefit explained guide.

## Related

- [Child Benefit explained](https://moneyguide.org.uk/benefits-tax/child-benefit-explained/)
- [State Pension explained](https://moneyguide.org.uk/pensions/state-pension-explained/)

## Primary source

gov.uk/child-benefit

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