Business
HMRC urges public to check out financial support available to help with living costs
HOUSEHOLDS across Wales are being encouraged to check online for the range of financial support available from HM Revenue and Customs (HMRC) to help with living costs.
HMRC has listed the support available in one place to ensure people are not missing out and can easily find out online if they are eligible and how to claim.
The new GOV.UK page pinpoints people to a one-stop shop of all the benefits, credits and allowances available to individuals and families, making it easier than ever for people to claim what they are entitled to. This includes:
Child Benefit
Child Benefit can be claimed if someone is responsible for bringing up a child who is:
- under 16
- under 20 if they stay in approved education or training
- Only one person can get Child Benefit for a child. It’s paid every 4 weeks and there’s no limit to how many children you can claim for.
Tax-Free Childcare
Working parents can get assistance of up to £500 every 3 months (up to £2,000 a year) for each of their children to help with the costs of childcare until the September after their 11th birthday.
If a child is disabled, this goes up to £1,000 every 3 months until the September after their 16th birthday (up to £4,000 a year).
Marriage Allowance
Marriage Allowance allows individuals to transfer 10% (£1,260) of their personal tax allowance to a husband, wife or civil partner if they earn less than the personal tax allowance, which is usually £12,570.
Work-related expenses and uniform allowances
Tax relief can be claimed on money spent on things like work uniform and clothing, tools, subscriptions or business travel.
The GOV.UK page also includes guidance for those on a low income wanting to make the most of their savings and help for those struggling to pay their tax bill.
Myrtle Lloyd, Director General Customer Services Group, HMRC: “We understand these are very difficult times for many so it’s vitally important we continue to highlight the range of support available.
“We’d encourage those who think they may be eligible for support to take a look and claim what they’re entitled to – it could make an important difference to household budgets at a time when it’s needed the most.”
Additional online tools and guidance are available to help customers check if they are eligible for each service – as well as extra support to guide them through the application process.
Business
Barclays urged to bring back branches to west Wales
BARCLAYS has been urged to reopen bank branches in west Wales after reports that the banking giant is preparing to rebuild its high street presence.
Paul Davies MS, Senedd Member for Ceredigion Penfro, has written to Vim Maru, Chief Executive of Barclays UK, calling on the bank to restore full branch services in Pembrokeshire and Ceredigion.
Mr Davies said Haverfordwest and Aberystwyth should be treated as priority locations, with Tenby and Cardigan also considered as part of any future review.
The call comes after reports that Barclays is looking again at its high street network, including opening new branches, expanding some existing sites and reviving the traditional role of local bank manager.
Mr Davies said west Wales should not be overlooked if Barclays is serious about returning to communities.
Barclays closed its Haverfordwest branch in May 2024, while branches in Aberystwyth and Cardigan also shut that year. The closures left many customers in Pembrokeshire and Ceredigion without access to a full Barclays branch.
Mr Davies said the loss of face-to-face banking had hit residents, small businesses and community organisations across two largely rural counties.

He said: “It’s extremely disappointing that Barclays Bank currently has no branches in either Pembrokeshire or Ceredigion. This represents a significant reduction in service provision for both personal and business customers across the two counties.
“However, I welcome the bank’s recent announcement and have written to the Chief Executive to encourage Barclays to take this opportunity to restore banking services in our area by reopening branches in Pembrokeshire and Ceredigion.
“Access to face-to-face banking services remains vital for many residents, businesses and community organisations, and I hope the bank will give serious consideration to reopening the high street branches in west Wales.”

The withdrawal of bank branches has become a growing concern in towns across Wales, particularly for older residents, people without reliable internet access, rural customers who depend on public transport, and businesses that need to deposit cash.
While some banking services are available through the Post Office, Barclays Local sites and banking hubs, campaigners have argued that these do not always provide the same service as a fully staffed branch.
Mr Davies said Barclays now had an opportunity to show that rural communities would not be left behind.
He is asking the bank to place Haverfordwest and Aberystwyth at the front of the queue if it proceeds with plans to expand its branch network.
The Herald has contacted Barclays for comment.
Business
St Davids micro-bakery scheme and alterations backed
A PLANNING application has been approved to convert an outbuilding into a micro-bakery and carry out upgrades to a Grade II-listed property in St Davids.
The proposal, submitted to the Pembrokeshire Coast National Park Authority by Richard Francis and Sue Benge through agent Pembroke Design Ltd, relates to Manor House at 19 High Street, located within the St Davids conservation area.
The application sought permission for the refurbishment and change of use of an existing outbuilding to form a small-scale bakery, as well as a series of alterations and extensions to the main listed building.
The applicants aim to develop a plant-based bed and breakfast and micro-bakery business that serves the St Davids community, with a commitment to sustainability at the core of the project.
A supporting statement said: “It is the client’s goal to improve and upgrade the listed building, to reduce the carbon impact of the building by the removal of fossil fuel energy, improving energy efficiency and insulation, installing solar and heat pumps, thereby creating a sustainable, plant based bed and breakfast and micro bakery business serving the community of St Davids.”
The proposed bakery will be operated on a limited basis by the occupants of the property, typically opening two days a week.
Sales will be available through online order and collection only.
Other works include a modest single-storey rear extension, new heritage-appropriate timber double-glazed windows and doors, internal alterations, and the installation of rooflights.
Plans also include reinstating a historic window opening, fitting an air source heat pump, and other energy efficiency upgrades.
Additional proposals include solar panels on the outbuilding, a greenhouse in the rear garden, and other external works.
St Davids City Council supported the application, noting that it is unlikely to have a detrimental visual or environmental impact on the surrounding area.
Planning officers recommended approval, noting that the scheme has been carefully designed to respect the character and heritage value of the listed property.
An officer report stated: “The proposed development has been carefully designed to respect the character, appearance and significance of the listed building and its setting.
“The proposed rear extension is modest and subservient in scale, whilst the alterations to the existing building have been designed to improve its functionality, energy efficiency and long-term viability without causing unacceptable harm to its special architectural or historic interest.”
The micro-bakery was described as a “beneficial re-use” of the outbuilding.
Business
Popular Newgale surf shop and home works approved
A SCHEME to improve a Pembrokeshire seaside village home and surf shop, while also removing an unlawful part that was subject to an enforcement notice, has been given the go-ahead.
In an application to Pembrokeshire Coast National Park, Bruce Sanderson of New Surf, through agent A D Architectural Design Consultants LTD sought permission for internal and external alterations to dwelling and surf shop, at New Surf, Newgale, including the removal of an un-lawful use of part of the ground floor as a shop.
The proposals were supported by Nolton and Roch Community Council.
An officer report recommending approval said: “The proposal returns the dwelling building to full residential use only. The application site is in a particularly sensitive location and appropriate mitigation has been sought and conditions imposed to preserve protected sites and species.”
It added: “The property known as Newsurf is a two-bedroom dormer bungalow with adjoining surf shop opposite the shingle bank of Newgale beach. The surf shop is positioned southeast of the bungalow and comprises a pair of pitched roof store buildings with linking flat roof section to the dwelling. Prior to being a surf shop, the application site was a filling station.
“The southern ground floor area of the dormer bungalow has been in retail use without planning authorisation and the remaining ground floor as residential use. Plans show two bedrooms and a storage area on the first floor of the dwelling.”
It detailed the proposals addressed the unauthorised aspects of development relating to a 2022 national park enforcement notice.
It concluded: “The proposed scheme is considered acceptable in how it responds to landscape setting, visual, aesthetic, historical, cultural and ecological aspects and also the physical characteristics of the site.
“The proposal preserves and enhances the character of the dwelling and by doing so will not create an unacceptably detrimental impact on the special qualities of the National Park. It is not considered that the development will cause an unacceptable impact upon privacy or amenity of neighbouring properties.”
The application was conditionally approved.
The Newsurf site also features in plans by a Vodafone phone company subsidiary to bring fibreoptic cables across the sea from Ireland to Pembrokeshire; the onshore part of a project to bring a fibreoptic cable onshore from Kilmore Quay, Wexford, Ireland to a site at Newsurf shop car park, Sands Café Car Park and the Duke of Edinburgh Inn, Newgale.
No decision has yet been made on that application.
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