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 regular payments every 4 weeks.

September 2022 to September 2023 payments schedule

Date we'll issue your payment Date you'll get your direct deposit payment Date you'll get your cheque payment Period the payment covers
22 September 2022 28 September 2022 12 October 2022 25 August to 21 September 2022
20 October 2022 26 October 2022 9 November 2022 22 September to 19 October 2022
17 November 2022 23 November 2022 7 December 2022 20 October to 16 November 2022
15 December 2022 21 December 2022 4 January 2023 17 November to 14 December 2022
12 January 2023 18 January 2023 1 February 2023 15 December 2022 to 11 January 2023
9 February 2023 15 February 2023 1 March 2023 12 January 2023 to 8 February 2023
9 March 2023 15 March 2023 29 March 2023 9 February to 8 March 2023
4 April 2023 (payment brought forward) 10 April 2023 24 April 2023 9 March to 5 April 2023
4 May 2023 10 May 2023 25 May 2023 6 April to 3 May 2023
1 June 2023 7 June 2023 21 June 2023 4 May to 31 May 2023
29 June 2023 4 July 2023 18 July 2023 1 June to 28 June 2023
27 July 2023 2 August 2023 16 August 2023 29 June to 26 July 2023
24 August 2023 30 August 2023 13 September 2023 27 July to 23 August 2023
21 September 2023 27 September 2023 11 October 2023 24 August to 20 September 2023
19 October 2023 25 October 2023 8 November 2023 21 September to 18 October 2023

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

What the pension rates are 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 September 2022.

Rates A$ amount per year single A$ amount per year couple both eligible A$ amount per year couple one eligible partner A$ amount per year couple separated due to ill health
Maximum basic rate $24,356.80 $36,722.40 $18,361.20 $24,356.80
Basic Pension Supplement rate $681.40 $1,123.20 $561.60 $681.20
Total $25,038.20 $37,845.60 $18,922.80 $25,038.20

What allowable income is while outside Australia

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

Pension type A$ amount per year single A$ amount per year combined couple both eligible A$ amount per year combined couple one eligible partner A$ amount per year combined couple separated due to ill health
Full pension Up to
$4,940
Up to
$8,736
Up to
$8,736
Up to
$8,736
Part pension Less than
$55,016.00
Less than
$84,427.00
Less than
$84,427.00
Less than
$108,888.00

What allowable assets are while outside Australia

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

Pension type A$ amount per year single A$ amount per year combined couple both eligible A$ amount per year combined couple one eligible partner A$ amount per year combined couple separated due to ill health
Full pension - homeowner Up to
$280,000
Up to
$419,000
Up to
$419,000
Up to
$419,000
Full pension - non-homeowner Up to
$504,500
Up to
$643,500
Up to
$643,500
Up to
$643,500
Part pension - homeowner Less than
$601,000
Less than
$904,500
Less than
$904,500
Less than
$1,061,000
Part pension - non-homeowner Less than
$825,500
Less than
$1,129,000
Less than
$1,129,000
Less than
$1,285,500

What the deeming rates and thresholds are 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 thresholds A$ amount single A$ amount per year couple both eligible A$ amount per year couple one eligible partner A$ amount per year couple separated due to ill health
Threshold $56,400 $93,600 $93,600 $93,600
Rate below threshold 0.25% 0.25% 0.25% 0.25%
Rate above threshold 2.25% 2.25% 2.25% 2.25%

How we calculate your rate of payment

We calculate your payment rate under both the income and assets tests. We apply the test that results in the lower rate or nil rate. We deem some assets to earn income. There are special rules for other types of income. Read more about what we regard as income and assets for the purpose of calculating your rate of pension.

There’s no income or assets test if you’re permanently blind.

Reduced rate

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

Transitional rate

Transitional rules ensured pensioners weren’t worse off after the introduction of the 20 September 2009 pension income test. People getting a pension on 19 September 2009 will get the transitional rate. They will get it until it’s no longer higher that the current income tested rate.

You’re not eligible for the Work Bonus if you get the transitional rate.

Work Bonus

The Work Bonus applies if you’re Age Pension age. It allows you to earn up to $300 every 2 weeks without it affecting your pension.

If you earn less than $300, you can build up an employment income bank with unused amounts. We then offset these credits in future fortnights if you earn more than $300. The maximum Work Bonus you can accrue is currently $7,800.

You can’t get Work Bonus if you get Parenting Payment single.

Read more about Work Bonus.

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 September 2022