Pension rates payable outside Australia

We’ll pay your pension differently if you live outside Australia on a permanent or long term basis.

When we make payments

If you live or travel outside Australia long term, you’ll get a payment every 4 weeks.

September 2023 to September 2024 payment schedule

Date we’ll issue your paymentDate you’ll get your direct deposit paymentDate you’ll get your cheque paymentPeriod the payment covers
21 September 202327 September 202311 October 202324 August to 20 September 2023
19 October 202325 October 20238 November 202321 September to 18 October 2023
16 November 202322 November 20236 December 202319 October to 15 November 2023
14 December 202320 December 20233 January 202416 November to 13 December 2023
11 January 202417 January 202431 January 202414 December 2023 to 10 January 2024
8 February 202414 February 202428 February 202411 January to 7 February 2024
7 March 202413 March 202427 March 20248 February to 6 March 2024
4 April 202410 April 202424 April 20247 March to 3 April 2024
2 May 20248 May 202422 May 20244 April to 1 May 2024
30 May 20245 June 202419 June 20242 May to 29 May 2024
27 June 20243 July 202417 July 202430 May to 26 June 2024
25 July 202431 July 202414 August 202427 June to 24 July 2024
22 August 202428 August 202411 September 202425 July to 21 August 2024
19 September 202425 September 20249 October 202422 August to 18 September 2024
17 October 202423 October 20246 November 202419 September to 16 October 2024

Remember, if you’re paid by cheque, there may be mail delays over peak holiday periods.

Pension rates while outside Australia

This table shows the maximum basic rate and Basic Pension Supplement rate when you’re living outside Australia. Your rate may be less depending on your situation.

These figures are a guide only and are effective from 20 March 2024.

RatesA$ amount per year singleA$ amount per year couple both eligibleA$ amount per year couple one eligible partnerA$ amount per year couple separated due to ill health
Maximum basic rate$26,535.60$40,003.60$20,001.80$,26,535.60
Basic Pension Supplement rate$735.80$1,211.60$605.80$735.80
Total$27,271.40$41,215.20$20,607.60$27,271.40

Allowable income while outside Australia

This table shows your allowable income if you’re on a full or a part pension.

Pension typeA$ amount per year singleA$ amount per year combined couple both eligibleA$ amount per year combined couple one eligible partnerA$ amount per year combined couple separated due to ill health
Full pensionUp to $5,304Up to $9,360Up to $9,360Up to $9,360
Part pensionLess than $59,846.80Less than $91,790.40Less than $91,790.40Less than $118,445.60

Allowable assets while outside Australia

You and your partner can have assets up to a certain amount before your payment rate changes.

Pension typeA$ amount per year singleA$ amount per year combined couple both eligibleA$ amount per year combined couple one eligible partnerA$ amount per year combined couple separated due to ill health
Full pension - homeownerUp to $301,750Up to $451,500Up to $451,500Up to $451,500
Full pension - non-homeownerUp to $543,750Up to $693,500Up to $693,500Up to $693,500
Part pension - homeownerLess than $651,500Less than $980,000Less than $980,000Less than $1,151,000
Part pension - non-homeownerLess than $893,500Less than $1,222,000Less than $1,222,000Less than $1,393,000

Deeming rates and thresholds while outside Australia

Deeming is a set of rules used to work out the income created from your financial assets. It assumes these assets earn a set rate of income, no matter what they really earn.

Deeming rates and thresholdsA$ amount singleA$ amount per year couple both eligibleA$ amount per year couple one eligible partnerA$ amount per year couple separated due to ill health
Threshold$60,400$100,200$100,200$100,200
Rate below threshold0.25%0.25%0.25%0.25%
Rate above threshold2.25%2.25%2.25%2.25%

How we calculate your rate of payment

We calculate the rate of payment under both the income and assets tests. We apply the test that results in the lower rate or nil rate. Some assets are deemed to earn income. There are special rules for other types of income. You can read more about income and assets for the purpose of calculating your rate of pension.

If you’re permanently blind, there’s no income or assets test.

Reduced rate

You may get a reduced rate of pension based on how long you were an Australian resident.

Transitional rate

Some customers may get a transitional rate of pension based on the pre-20 September 2009 income test rules. If you’re eligible, we’ll compare the transitional rate to the current rate.

If the current rate is the same or higher, we’ll pay you the current rate instead. You can’t go back to the transitional rate once you get the current rate of pension.

Work Bonus

The Work Bonus helps eligible customers earn more income from working without reducing their pension. Work Bonus does not apply to the transitional rate of pension or if you get Parenting Payment Single.

Read more about Work Bonus.

Disability Support Pension

If you’re younger than 21 years and don’t have any dependent children in your care, there are different rates of payment. Read more about Disability Support Pension payment rates.

How we make payments

We’ll pay you outside Australia by direct deposit. In exceptional circumstances we may pay you by cheque.

Direct deposit payments

We can put your payment straight into your bank account. This can be a bank account held in or outside Australia. Your payment will be available within 6 days of issue.

If you don’t get your payment within 10 days, contact your bank. If your bank can’t help you, call our International services line.

If we’re paying into an Australian bank account, we’ll pay you in Australian dollars.

If we’re paying into a bank account outside Australia, we’ll pay you in local currency or US dollars. This will depend on what country you’re living in.

You’ll need to complete an International bank account form for any banks outside Australia.

Cheque payments

Cheques will be in local currency or in US dollars. This will depend on the country you’re living in.

You should get it in the post 14 to 20 days after we issue it. We use international and local mail systems to send your cheque. Delays due to the mail system are out of our control.

If you don’t get your cheque within 20 days, we can cancel it and send a new one. You’ll need to allow time for the new cheque to arrive.

If a cheque arrives after we cancel it, don’t cash it or put it into your account. If you do, your bank may charge you a fee.

Banking your cheque

When you deposit your cheque, it’ll need to clear before you can access the funds.

This could take:

  • around 2 weeks if the cheque is in local currency
  • up to 4 weeks for US dollar cheques.

In most countries we can pay pensions directly into bank accounts. We prefer this method of payment, as it is safe, quick and reliable.

How someone can deal with us on your behalf

You can nominate a person or organisation outside Australia to act on your behalf with us.

Fill in the Authorising a person or organisation to enquire or act on your behalf (outside Australia) form.

Find out more about someone to deal with us on your behalf.

Page last updated: 20 March 2024.
QC 29791