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Things you could be asked about Identity (driving licence or passport is ideal) Address (official bank letter or utility bill) Bank details (statement) National Insurance number (payslip or letter from HMRC)
Under the Social Security Administration Act, the DWP is authorised to collect information from various places, including banks. This is tightly controlled though, and would probably only be used if you were under investigation for fraud.
The DWP has legal authority to access bank information to verify the accuracy of claims. When applying for Universal Credit, you must provide accurate financial information, including income, savings, and assets. Misleading or false information can be considered fraud and can have legal consequences.
The net income you earn from your own trade or business. For example, any net income (profit) you earn from goods you sell or services you provide to others counts as self-employment income. Self-employment income could also come from a distributive share from a partnership.
To summarise, the answer to the question, can Universal Credit check my bank account? is yes. If the DWP suspects benefit fraud, they have the legal right to gather information from your bank. This underscores the importance of honesty when dealing with Universal Credit claims to avoid potential fraud investigations.