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Unrestricted Cash Payments (UCPs) 103-01050120



This document outlines how customers can access their income managed funds as cash, paid directly into their personal bank account to form part of their discretionary funds, in approved circumstances. These payments are known as Unrestricted Cash Payments (UCP).

Unrestricted Cash Payments

A UCP can be a one-off or regular payment and is available to customers on any measure of Income Management subject to appropriate approval. Customers on enhanced Income Management (enhanced IM) are not eligible for a UCP.

UCPs are assessed on an individual basis. Customers may be entitled to access a UCP in the following situations:

  • to access a portion of a Social Security arrears payment where the customer has not had access to their usual amount of discretionary funds in the previous fortnight, or
  • to access up to 50% of Family Tax Benefit (FTB) reconciliation payments

Note: a UCP should not be confused with a Restricted Direct Payment (RDP). An RDP is a payment for priority needs that cannot be paid using the standard Income Management payment methods such as BasicsCard, BPay, direct credit, Scheduled Transfer or one-off payments to a Third Party Organisation. Usually, the only option for the customer is to pay for the expense by cash. For more details, see Restricted Direct Payments (RDP).

RDPs should only be granted in exceptional circumstances and are assessed and approved by the National Business Gateway (NBG).

One-off UCP

One-off UCPs are assessed on an individual basis by authorised staff with appropriate ISP access and delegation (for example, Income Management Contact Officer (IMCO), Smart Centre Technical Peer Support (TPS).

One-off requests for exceptional circumstances will be assessed and approved only if:

  • the customer's and their dependents current and reasonably foreseeable priority needs are being met, and
  • income managed funds are available

Regular UCPs

Customers can request to have a regular UCP for a specified amount of their fortnightly income managed payment where it has been satisfied there is no other practical use for the customer's income managed funds, including meeting priority needs. This provides a direct payment to the customer's (or their payment nominee's) bank account. Customers requesting payments to a third party are to be via the Expense Request process.

Customers who are meeting their own, and their dependents current and reasonably foreseeable future priority needs, and do not have any other expenses to pay from their Income Management funds may be eligible for a regular UCP of the balance of their fortnightly Income Management payment.

Each request must be assessed on a case by case basis. The Level 2 Income Management Policy helpdesk will refer to the Department of Social Services (DSS) if required.

Approving and processing UCPs

The approval and coding of one-off and regular UCPs depends on the reason for the UCP and the measure of Income Management applicable to the customer.

Arrears of social security payments

Lump sum arrears of an Income Management customer's income support payment are subject to 100% Income Management.

Where a customer is in receipt of arrears which have been credited to their Income Management account, and hasn’t had access to their usual amount of discretionary funds in the previous fortnight, a Service Officer may grant them a UCP from their income managed funds equal to the normal amount of discretionary funds they would have received for their last fortnightly payment, less any discretionary funds already received.

This is to ensure a person in receipt of arrears has access to their regular fortnightly amount of discretionary funds and is not placed in financial hardship. Care must be taken to ensure that the customer does not access more discretionary funds than they regularly would.

FTB reconciliation payments

Customers on any measure of Income Management can be paid up to 50% of their Family Tax Benefit reconciliation payment as an UCP if the Service Officer is satisfied the amount currently available in their Income Management account is sufficient to meet the customer's and their dependent’s current and reasonably foreseeable priority needs.

Income Management ends

When a customer's Income Management ends, regular UCPs will automatically cease:

  • Immediately when Income Management ends where the UCP has been recorded via the service offer workflow, or
  • On the 15th day after Income Management ends where the UCP has been recorded via the Expense Management workflow

If Income Management is reinstated, the UCP must be recommenced, subject to the customer continuing to meet the criteria for the payment.

The Resources page contains links to the Income Management helpdesk webform and contact details for Income Management Contact Officer (IMCO).

Managing Income Management funds

Changes to Income Management priority needs

Coding Income Management expenses

Restricted Direct payments (RDP)

Effect on Income Management (IM) or enhanced Income Management (enhanced IM) when a payment is restored or re-granted