How it works

A Cashless Debit Card looks and works like a normal bank debit card. You can’t use it to buy alcohol, gamble, or get cash out.

You still get your full payment but it’s in 2 parts. Some goes to your normal bank account and the rest goes to your Cashless Debit Card (CDC) account.

The amount of money you get doesn’t change when you move to the CDC.

The percentage of money going on your CDC account will be the same as it is under Income Management. The full amount of lump sum payments and arrears will go on the card.

You can use your CDC card online to do the following:

  • pay bills with BPAY
  • arrange direct debits
  • transfer money to other CDC accounts.

You can also view your balance and transaction history using your card’s online account.

You can use your CDC at over one million EFTPOS terminals around Australia and do your shopping online.

The CDC is currently in 6 areas.

These are:

  • Ceduna, South Australia
  • Kununurra and Wyndham in the East Kimberly region, Western Australia
  • Goldfields region, Western Australia
  • Bundaberg, Hervey Bay region, Queensland
  • Cape York, Queensland, and
  • the Northern Territory.

If you live in the Northern Territory, you can choose to move from Income Management to the CDC. You also have the option of using a card from the Traditional Credit Union (TCU) or Indue Ltd.

If you’re in one of these areas, you can apply to change your CDC amount:

  • Ceduna, South Australia
  • Kununurra and Wyndham in the East Kimberly region, Western Australia.

You’ll need to get a form from the Department of Social Services website:

Follow their instructions to fill and submit it.

Page last updated: 10 December 2021