Enhanced Income Management and SmartCard

A way to help you manage your money to meet essential household needs and expenses.

We have information in different languages about Enhanced Income Management and SmartCard

What is enhanced Income Management?

How to activate your SmartCard

How to set up and log into your SmartCard app and online account

Differences between Income Management and enhanced Income Management

How to check your enhanced Income Management account balance

How to turn tap to pay on or off for your SmartCard

How to keep your money and SmartCard safe

How to make payments using BPAY, transfer funds and direct debit on enhanced Income Management

How to protect your enhanced Income Management account and SmartCard from scams

How to use the SmartCard app and online account

For Centrelink payments and services, you can call our multilingual phone service.

Call the Centrelink Indigenous Call Centre to speak to us about Centrelink payments and services for free.

Enhanced Income Management helps you budget your payments from us. It also helps you meet essential household needs and expenses, like food, rent, bills and education.

You can access your enhanced Income Management account with a SmartCard.

Watch this video to learn what enhanced Income Management is.

If you are on Income Management, with or without a BasicsCard, you can choose to move to enhanced Income Management.

Call the SmartCard eIM hotline to talk about your options.

Watch this video to learn about the differences between Income Management and enhanced Income Management.

Tell us if these videos helped you by completing a short survey.

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If you are new to enhanced Income Management, we will contact you to get you set up.

For help managing your enhanced Income Management account and SmartCard online, watch our how-to video series. If you are deaf or hard of hearing, you can watch the videos in Auslan.

If you live in certain areas of Australia, you can volunteer for enhanced Income Management and get a SmartCard to access your enhanced Income Management account.

Select the state or territory where you live for more details about enhanced Income Management and SmartCard.

Contact numbers available on this page.

SmartCard eIM hotline

Use this line for support with enhanced Income Management, your account and SmartCard.

Monday to Friday 8 am to 5 pm local time

There are other ways you may want to contact us.

Page last updated: 24 October 2025.
QC 64006