Skip to main content
background pattern
Work and income | Te Hiranga Tangata
  • Employers
  • Providers
  • Go to MyMSD login
  • Work homepage

    • Overview

      We can help you get ready to apply and find the right job for you. We can even help you while you're working.

    • Get ready to work

      You can get training, help with CVs and cover letters, and advice for job interviews.

    • Find jobs

      Find out what jobs are available, which job is best for you and how you can plan your career.

    • Working

      Whether you've just started a job or need some help at work, we've got your back.

    • Lost your job

      We'll help you get ready to find a new job and support you while you're between jobs.

    • Start your own business

      Get help to plan and set up a successful business or be a self-employed contractor.

  • Benefits and payments homepage

    • Overview

      Take a look at the range of benefits and payments we have available.

    • Not working

      Redundancy, health condition or disability or another reason you can’t work

    • Living expenses

      Food, school costs, power, accommodation or other living expenses you need help with

    • Relationship changes

      You’ve had a relationship break-up, family breakdown or violent relationship end

    • Health and Disability

      Counselling, prescription and GP costs, medical alarms and other costs we can help with

    • Seniors

      Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors

    • Caring

      Caring for someone else’s child or someone with a health condition, injury or disability

    • Urgent or unexpected costs

      Dental, glasses, car repairs, fridge, washing machine, funeral or other urgent costs you need help with

    • Children

      Childcare, school uniforms, stationery, having a baby and other costs if you have children

    • Moving to New Zealand

      Payments you can get from us, settling into NZ, overseas pensions and more.

    • Benefits and forms

      A-Z list of benefits, forms, benefit rates

  • On a benefit homepage

    • Overview

      Check out what you need to do when you're getting a benefit or other payment from us.

    • Something's changed

      Address, contact details, overseas travel, childcare, relationship or anything else that’s changed.

    • Income

      Declare income and income deduction tables

    • Childcare

      Change in your childcare situation, continue childcare payments, cohort entry schools and other childcare information

    • Going overseas

      Travelling or moving overseas may affect your payments.

    • Re-apply, review or renew

      Re-apply for a payment, review circumstances, renew medical certificate and more

    • Payments

      Check or stop your payments, payment cards and other information

    • Debt

      Check your debt, repayments and other debt information

    • Rights and responsibilities

      Our commitment to you,  obligations, complaints, benefit fraud and more

  • Housing homepage

    • Overview

      Find out how we can help you with housing.

    • Nowhere to stay

      Get help if you have nowhere to stay right now.

    • Find a house

      Find out where to look for private housing, or apply for public (social) housing.

    • Living in your home

      Get help with accommodation costs, and advice on any housing issues and public housing tenancies.

    • Moving house

      Find out how we can help if you’re moving house.

    • Other languages

      Read some of our housing information in other languages.

  • Go to the Work and Income home page
When autocomplete results are available use up and down arrows to review and enter to select.
  • MyMSD login
  • Online Services
    • Apply online
    • Apply for NZ Super
    • MyMSD
    • Check what you might get
    • Kimi Mahi Mai - Find a Job
    • List a job vacancy
    • Help with online services
  • Work
    • Get ready to work
    • Find jobs
    • Working
    • Lost your job
    • Start your own business
  • Benefits and payments
    • Carers
      • Caring for someone with a health condition, injury or disability
      • Caring for a child with a disability
      • Caring for someone else's child
    • Children
      • Childcare
      • Having a baby
      • School costs
      • Caring for someone else's child
    • Emergencies
      • Civil Defence Payment
      • Rural Assistance Payment
      • Enhanced Taskforce Green
    • Health and disability
      • Vehicle modification
      • Contraception
      • Counselling
      • Dental treatment
      • Glasses
      • House modification
      • Medical alarms
      • Prescriptions and health practitioner costs
      • Residential care
      • Travel costs
    • Living expenses
      • Heating and power bills
      • Managing your money
      • Public transport fares
    • You're not working
      • Redundancy
      • Health condition or disability
      • Fired or left
      • Deported to NZ
      • Released from prison
    • Relationships
      • Break-up
      • Family breakdown
      • Violent relationships
    • Seniors
      • Find out if you can get NZ Super or Veteran's Pension
      • NZ Superannuation
      • Veteran's Pension
      • SuperGold Card
      • Other payments
    • Urgent costs
      • Food
      • Accommodation
      • Power, gas and water bills or heating
      • Dental treatment
      • Glasses
      • Whiteware
      • Medical costs
      • House repairs and maintenance
      • Car repairs
      • Bereavement
      • Fire or theft
    • Moving to NZ
      • Overseas pensions
  • On a benefit
    • Changes and income
      • Income
      • Change housing details
      • Relationships
      • Change bank account
      • Child enters or leaves your care
      • Change contact details
    • Going overseas
      • On a benefit
      • NZ Super or Veteran's Pension
    • Re-apply, review or renew
      • Re-apply for Jobseeker Support
      • Re-apply for Sole Parent Support
      • Re-apply for TAS
      • Renew medical certificate or information
      • Review of circumstances and annual income
    • Obligations
      • Jobseeker Support obligations
      • Supported Living Payment obligations
      • Sole Parent Support obligations
      • When you don’t meet your obligations
    • Payments
      • Check your payments
      • Changes to your payments
      • Money management for youth clients
      • Stop your payments
      • Stop your childcare payments
      • Payment cards
    • Debt
      • Repay debt while on benefit or pension
      • Repay debt if not on benefit or pension
    • Childcare
      • Change in circumstances
      • Continuing pre-school childcare
      • Continuing childcare when your child's at school
      • Stop childcare
      • Childcare absences
      • Move to OSCAR
      • Extending childcare
    • Having another child
    • Arrest warrants
    • Your rights and responsibilities
      • Your obligations
      • Have someone act on your behalf
      • Fraud and investigations
      • Our commitment to you
  • Housing
    • Nowhere to stay
      • Emergency housing
      • Escaping family violence
      • Leaving prison
    • Find a house
      • Who can get public housing
      • Apply for public housing
      • Waiting for public housing
      • Accepting a public housing offer
    • Living in your home
      • Housing costs
      • Living in public housing
      • Staying in emergency housing
    • Moving house
      • Bond Grant
      • Accommodation Security Cover Grant
      • Accommodation Costs in Advance Grant
      • Moving Costs Grant
      • Tenancy Costs Cover
      • Transition to Alternative Housing Grant
      • Transfer to another public housing property
    • Other languages
  • Benefits, rates and forms
    • A-Z benefits
    • Benefit rates
    • Forms
    • Income and cash asset limits
  • Providers
    • Housing providers
      • Property owners and landlords
      • Emergency housing suppliers
      • Transitional housing providers
      • Public housing providers
    • Getting payments from us
      • Register as a supplier
      • Ways you can be paid
      • Manage your supplier details
      • Refund money you owe
    • Activity in the Community projects
    • Health and disability practitioners
      • Guides and forms
      • Roles
      • Assisting people into work
      • Medical certificates
      • Health and disability related benefits
      • Designated health practitioners second opinions
      • Medical appeals
    • Childcare assistance
      • Registering your childcare service
      • Become an approved OSCAR provider
      • How we can help you
      • Tell us when things change
      • Payment schedules
      • Contacting us if you're a childcare or OSCAR provider
    • Advocates
    • Employment and training providers
    • Forms
  • About Work and Income
    • Contact us
      • Phone us
      • Our locations
      • International Services
      • Overseas pension agencies
      • Veterans' contacts
      • Deaf, hard of hearing, speech impairment
      • Other languages
      • Service Express
      • Report a suspected fraud
    • Our services
      • Our commitment to you
      • Cheap as data
      • Documents to provide when you apply
      • Appointments
      • About International Services
      • Words we use
      • Become a contracted provider
      • Information for trespassed clients
    • Our privacy notice
      • Collecting your information
      • Using your information
      • Sharing your information
      • Respecting your information
      • Managing your information
    • Feedback and complaints
      • Making a complaint
      • Review of a decision
      • Review of a medical decision
      • Online surveys
    • News
    • Careers at Work and Income
  • About this site
    • Accessibility
    • Privacy, disclaimer and copyright information
    • Online security
  • Employers
    • Recruitment
      • List a vacancy
      • Hire an LSV graduate
      • Hire disabled people or people with health conditions
      • Shortlisting
      • Pre-employment drug testing
      • Make an employment offer
      • Hiring migrant workers
    • Extra support and training
      • Flexi-wage
      • Apprenticeship Boost
      • Mana in Mahi
      • Skills for Industry
      • Support once your employee starts work
      • Mainstream programmes
      • Modifications to your workplace
    • Industry partnerships
    • Redundancy support
    • Emergencies and adverse events
    • Employee debt
  1. Home
  2. On a benefit
  3. Debt
  4. How to repay debt from overseas

WARNING: Your device is running Android version 7 or below. From September, you may experience issues accessing our website. We recommend using the Firefox browser.

On a benefit

  • Changes and income
  • Going overseas
  • Re-apply, review or renew
  • Obligations
  • Payments
  • Debt
    • Repay debt while on benefit or pension
    • Repay debt if not on benefit or pension
  • Childcare
  • Having another child
  • Arrest warrants
  • Your rights and responsibilities

How to repay debt from overseas

If you owe us money, we want to help you repay it in a way that best suits your situation. We have a range of overseas repayment options available if you're not getting a benefit or pension from us.

If you:

  • are getting a main benefit, NZ Super, Veteran's Pension or Accommodation Supplement from us, there's a different process for your debt repayments.
  • want to make repayments from NZ, there are different repayment options available.
Repaying debt while getting a benefit or pension from us
How to repay debt from NZ

Repayment options

Below are the different repayment methods you can use if you're making repayments from overseas. These are for people who are not getting a benefit or pension from us.

We don't offer direct debit services.

If you need help setting up a repayment arrangement, contact our Client Support Debt Management team

You can pay online using a money transfer agency called OrbitRemit. This service is free.

  1. Create an account with OrbitRemit
  2. Enter your name and client number.
  3. Enter the amount in New Zealand dollars that you're paying.

Payments will be processed within 5 working days.

You can pay online using your debit or credit card.

You will need:

  • your name and client number
  • your debit or credit card details:
    • name of the person on the card
    • card number
    • expiry date
    • card verification number, and
  • the amount in New Zealand dollars you'd like to pay.

If you're paying by credit card, you could be charged interest if you don't pay this back on time.

Pay online by debit or credit card

Someone living in New Zealand can make payments on your behalf, such as a family member or friend. They can do this using a repayment method from New Zealand.

Repay debt from New Zealand

Make regular payments on your behalf

If they're going to pay on your behalf regularly, contact our Client Support Debt Management team

You need to let them know:

  • how much they'll be paying
  • how often the payments will be made
  • when the payments will start.

We'll only discuss your personal information with this person if you've filled out a form to appoint them as your agent.

Having someone act on your behalf

If you're in Australia, you can choose to repay your debt by:

  • Australian internet or telephone banking, or
  • Australian automatic bank payments.

However you pay, you need to contact our Client Support Debt Management team

You need to let them know:

  • how much you'll be paying
  • how often the payments will be made, and
  • when the payments will start.

Australian internet or telephone banking

You can make a one-off payment or regular automatic payments from an Australian bank account using internet or telephone banking. Your bank may charge you for these services.

To set up the payments, use the 'Pay Anyone' option. You'll need:

  • account name: Work and Income Debtors Account
  • account details: 034002 161233
  • reference: in the 'reference' field put 'D' and then your 9-digit client number.
  • Swift BIC – WPACNZ2W

Australian automatic bank payments

You can set up automatic payments at your Australian bank. These are payments you can control, edit and change yourself. Your bank may charge you for this service.

To set up the payments, you need to download and print the 'Automatic Payments - Australia' form.

Complete these details on the form:

  • enter the date the payments will start
  • enter the amount of the repayments
  • choose how often the repayments will be made
  • fill in your name
  • in the 'Client Number' field, enter your 9-digit client number after the 'D'.

Then take the form to your bank. They will set it up for you.

linksAutomatic Payments - Australia form (PDF 85.27KB)

Related

Your debt with us
Repaying debt while not getting payments from us
Ways to pay debt in New Zealand

How we can help

  • Benefits and payments
  • Work
  • On a benefit
  • Housing

Online services

  • Check what you might get
  • Find work
  • Apply online
  • MyMSD
  • How to stay safe online

About

  • About Work and Income
  • About this site
  • Accessibility
  • Privacy, disclaimer and copyright

Contact us

  • Phone numbers
  • Find a service centre
  • Facebook
  • Twitter
  • Feedback
  • Help in other languages
Go to Ministry of Social Development's website Te Kāwanatanga o Aotearoa / New Zealand Government Shielded Site