We have information in different languages about How to repay money you owe to Centrelink
For Centrelink payments and services, you can call our multilingual phone service.
If you owe us money, we want to help you repay it in a way that best suits your situation. That’s why there are options available to you.
Your Centrelink debts won’t affect your credit rating. However, we may take action if you haven’t started repaying the money by the due date.
There are 2 main ways to repay money you owe. They are:
- in full by the due date
- over time, by setting up a payment arrangement with us or having deductions taken from your regular Centrelink payment.
Watch our video for instructions on repaying money you owe.
Most people pay the money they owe over time.
The right repayment option for you depends on your situation. When deciding how to repay the money, you’ll need to think of things like:
- your budget
- upcoming expenses
- any other debts you may have
- how long you want to be repaying the money.
If you repay your Centrelink debt using your credit card, you could end up paying more. This is because credit cards can charge a high interest rate and cash advance fees.
You’ll need to contact your financial institution for more information about these fees.
If you enter into a repayment arrangement with us to repay your debt over time, we won’t charge you any interest. This is if you make your first repayment by the due date and keep to your arrangement.
If you’re experiencing financial hardship, call our debt recovery line.
How you repay money will either depend on:
- if you get a payment from us now including Child Care Subsidy
- if you no longer get a payment from us.
At times we may recover money in other ways and for other agencies.
If your Centrelink online account is linked to myGov, you can manage your repayments online. To do this, sign into myGov and select Money you owe.
You can also use the Express Plus Centrelink mobile app.
Pausing your debt repayments
If you’ve been impacted by a disaster or hardship event, you may be able to pause or change your debt repayments. Read more about the flexible choices available for when you need to pause your debt repayments.
How you repay money you owe if you no longer get a payment from us.