Look, the real funny thing is that most people who worry about this have nothing to worry about. The DWP isn’t a nosy neighbor. It’s more like a lazy landlord who only shows up when the boiler explodes. If you’re claiming honestly, your bank account is a palace of privacy. If you’re committing fraud, well, your bank account is a crime scene, and the forensic accountants are already there.
So relax. Buy the sweater. Drink the latte. But maybe stop posting pictures of your cash-stuffed teddy bear on Instagram. The DWP might not check your bank, but Janet from Customer Service will notice your 4K holiday to Cancun. And she’s a lot scarier than a spreadsheet.