If you earn less than your average no problem, because here is where income smoothing comes in. If we see you have earned less than your average, we will top you up with your income balance, if that is not enough to fulfil your weekly average then we will top you up with credit (credit is subject to availability).
For example – your average weekly earnings is £400 per week and you’re having a slow week and made £300. When your auto pay is due it will transfer your weekly average that is £400. It will get the extra £100 through your Income balance from your previous earning (when you make more than your weekly average amount). If your income balance is not enough it will top you up with credit (only if you are eligible for it).