The Department for Work and Pensions (DWP) does not routinely check everyone's bank accounts. Instead, they typically carry out bank account checks only when there is a suspicion of fraud or discrepancies in a benefits claim. These checks are targeted and usually linked to investigations of undeclared income, savings above thresholds, inconsistent spending, living arrangements, or large unexplained deposits. The DWP requests information from banks under legal powers but cannot directly access accounts without justification. The frequency of these checks varies, but some claimants report receiving checks about once or twice a year or only when there is a specific reason. Being transparent about financial changes and promptly responding to DWP requests helps avoid issues. If checked, claimants are usually notified and given a chance to explain discrepancies. Overall, bank account checks are investigative tools rather than ongoing surveillance for all claimants.