The Guides to Social Policy Law is a collection of publications designed to assist decision makers administering social policy law. The information contained in this publication intended only as a guide to social security payments. The information is accurate as at the date listed at the bottom of the page, but may be subject to change. To discuss individual circumstances please contact Services Australia. Voluntary Participation in Cashless Debit Card Trial


People who have reached age pension age or who have not reached age pension age but will reach age pension age during the 12 month period commencing on the date the trial area in which the person has their usual place of residence became specified as a trial area can volunteer to participate in the trial by notifying DHS (Centrelink). This does not apply to those in the Bundaberg and Hervey Bay region.

Volunteers can withdraw from the trial at any time.

Example: Shelley is an age pensioner in Ceduna. She heard about the Trial and thought it was a good idea so she went to DHS (Centrelink) and applied. DHS explained that she would have the default 80% restricted but she could apply to the community body to have that percentage reduced. Shelley decided to start on 80% and see how she goes.

DSS may determine that a person who is a voluntary participant is not to be subject to the trial. If such a determination is made, the volunteer must be notified in writing accordingly.

Act reference: SS(Admin)Act section 124PD Definitions, section 124PH Voluntary participants

Private volunteers

Any Australian resident can also volunteer for the Cashless Debit Card by applying directly to the financial institution (Indue Limited).

Example: Bradley is living and working full-time in Streaky Bay (outside the trial area) but heard about the Cashless Debit Card Trial and thought it might help him to manage his finances and expenditure on alcohol. So he went to Indue's website and applied for a welfare restricted bank account. The financial institution set the account up for him and told him the account number. The financial institution also sent Bradley his cashless debit card to access the restricted account. As a private volunteer, Bradley was able to choose what percentage of his wages would be restricted. Bradley asked his employer to put 70% of his wage into the account and gave them the BSB and account number. He knew they would not know what kind of account it was - they did not need to know - but he felt so much better that he had taken positive action to manage his affairs.

Private volunteers can withdraw from the trial at any time by contacting the financial institution.

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