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  1. Top payments
  2. Income Bank

What an Income Bank is

Your Income Bank allows you to earn credits where your income is less than $539 a fortnight.

  1. If you need to attend an assessment
  2. What happens during and after the assessment

If you have a reduced capacity to work

If you have a medical condition that affects your ability to work, you’ll need to tell us. You may have a reduced capacity to work but we’ll need to assess this.

Assets test for allowances

We use the assets test to help us work out if you can be paid an allowance and how much you'll get.

Income

Most types of income count in your income test. We use this and your assets test to assess if you can get a payment, and to calculate your rate of payment.

Sole trader or partnership income

Business income is counted in the income test.

  1. Help for myGov, online accounts and mobile apps
  2. Centrelink online account help guides

Centrelink online account help - Upload documents

Instructions on how to upload and submit documents using your Centrelink online account.

  1. Help for myGov, online accounts and mobile apps
  2. Express Plus Centrelink mobile app help guides

Express Plus Centrelink mobile app help - Report employment income

Follow this guide to report your employment income using the Express Plus Centrelink mobile app.

  1. Work
  2. Working

Being on a Centrelink payment while you're working

When you get a Centrelink payment while you’re working, you might have a few questions about what happens next.

  1. Help for myGov, online accounts and mobile apps
  2. Centrelink online account help guides

Centrelink online account help - Report employment income

Follow this guide to report your employment income and Job Plan requirements using your Centrelink online account.

  1. Seeking medical help
  2. Most useful information

Authorisation to act on an incapacitated person's behalf for Medicare purposes form (MO050)

Use this form if you want to act on behalf of someone who is incapable of managing their own affairs for Medicare services.

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Page last updated: 17 November 2025.
QC 60158