Most useful information for retirement years

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International bank account form (AUS178)

Use this form to tell us your bank account details if you can get your Centrelink payment outside Australia.

  1. Work Bonus
  2. How it works

Types of income we apply the Work Bonus to

We apply the Work Bonus to employment and self-employment income. You need to tell us how much you earn so we can apply the Work Bonus and income test.

  1. Home Equity Access Scheme
  2. Who can get it

Terms and conditions of the Home Equity Access Scheme

You’ll need to accept terms and conditions to take part in the Home Equity Access Scheme.

  1. What FIS information you can watch online
  2. Lump sums

FIS inheritance video

Watch this video to learn about how FIS can help you if you get an inheritance.

  1. Home Equity Access Scheme
  2. How to manage your loan

Repay your loan under the Home Equity Access Scheme

You can repay the loan you get under the Home Equity Access Scheme in part or full at any time.

  1. Home Equity Access Scheme
  2. How much you can get

Choosing your loan payments under the Home Equity Access Scheme

You can choose the amount of the loan you get under the Home Equity Access Scheme.

  1. Age Pension
  2. How much you can get

Income and assets from outside Australia can affect your Age Pension

If you or your partner get income from, or have assets outside Australia, this could affect your Age Pension.

  1. Top payments
  2. Home Equity Access Scheme

Who can get a loan under the Home Equity Access Scheme

You must meet certain requirements to be eligible for a Home Equity Access Scheme loan.

  1. Top payments
  2. Home Equity Access Scheme

How much you can get under the Home Equity Access Scheme

The loan payments you get under the Home Equity Access Scheme depend on if you get a pension or not.

10
Mar 2026

Work Bonus helps you keep more of your pension if you get income from working

If you earn eligible income, we'll use your Work Bonus balance before we reduce your payment.

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Page last updated: 17 November 2025.
QC 60146