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Work homepage
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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.
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Get ready to work
You can get training, help with CVs and cover letters, and advice for job interviews.
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Find jobs
Find out what jobs are available, which job is best for you and how you can plan your career.
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Working
Whether you've just started a job or need some help at work, we've got your back.
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Lost your job
We'll help you get ready to find a new job and support you while you're between jobs.
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Start your own business
Get help to plan and set up a successful business or be a self-employed contractor.
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Benefits and payments homepage
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Overview
Take a look at the range of benefits and payments we have available.
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Not working
Redundancy, health condition or disability or another reason you can’t work
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Living expenses
Food, school costs, power, accommodation or other living expenses you need help with
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Relationship changes
You’ve had a relationship break-up, family breakdown or violent relationship end
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Health and Disability
Counselling, prescription and GP costs, medical alarms and other costs we can help with
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Seniors
Travelling overseas, how to apply, payment rates and dates, overseas pensions, income and other info for Seniors
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Caring
Caring for someone else’s child or someone with a health condition, injury or disability
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Urgent or unexpected costs
Dental, glasses, car repairs, fridge, washing machine, funeral or other urgent costs you need help with
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Children
Childcare, school uniforms, stationery, having a baby and other costs if you have children
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Moving to New Zealand
Payments you can get from us, settling into NZ, overseas pensions and more.
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Benefits and forms
A-Z list of benefits, forms, benefit rates
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On a benefit homepage
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Overview
Check out what you need to do when you're getting a benefit or other payment from us.
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Something's changed
Address, contact details, overseas travel, childcare, relationship or anything else that’s changed.
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Income
Declare income and income deduction tables
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Childcare
Change in your childcare situation, continue childcare payments, cohort entry schools and other childcare information
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Going overseas
Going on holiday or going to live overseas
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Re-apply
Re-apply for Jobseeker Support, Sole Parent Support, Temporary Additional Support and more
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Payments
Check or stop your payments, payment cards and other information
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Debt
Check your debt, repayments and other debt information
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Rights and responsibilities
Our commitment to you, obligations, complaints, benefit fraud and more
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Housing homepage
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Overview
Find out how we can help you with housing.
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Nowhere to stay
Get help if you have nowhere to stay right now.
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Find a house
Find out where to look for private housing, or apply for public (social) housing.
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Living in your home
Get help with accommodation costs, and advice on any housing issues and public housing tenancies.
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Moving house
Find out how we can help if you’re moving house.
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Other languages
Read some of our housing information in other languages.
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Problems with your payment card
What to do if your card declines, you have problems with the card, or the card is cancelled or expired.
Checking your payment
You can go online and use MyMSD to check:
- the balance on your card
- your previous transactions
- when your payment expires.
Log into MyMSD, or find out how to get a MyMSD account.
Card problems
Call us immediately if:
- you can't find your card (if you think it's lost or stolen)
- you think someone else is using your card without your permission
- your card isn't working
- your card is broken or damaged.
Say 'Payment Card' when you are asked to say why you're calling.
Incorrect PIN
You need to enter a 4-digit PIN when you get to the checkout. Your PIN will be either:
- a personalised PIN you’ve set yourself, or
- the last 4 digits of your payment card number.
If you forget your PIN you can reset this in MyMSD, in ‘My payment cards’, or by calling us.
The card will lock if you enter an incorrect PIN 5 times. You can unlock this by resetting your PIN in MyMSD or over the phone with us, or wait until the next day – the card will unlock automatically at midnight.
From 23 September you must have a personalised PIN set to use your payment card. You won't be able to use the last 4 digits on your card, and if you don't have a personalised PIN set the card won't work.
Declined transactions
The transaction may be declined if the:
- money on the card has expired: The money will only stay on the payment card for 7 days, after that it expires. You can check the expiry date in MyMSD. If you still need the money, call us and say 'Payment card' when you're asked why you're calling.
- amount you're charged is more than the amount on the card: You need to reduce the amount being spent.
- shop is not registered with us: Shops need to be registered to accept our payment cards in their EFTPOS machines.
- signatures don't match: Your signature on your payment card needs to match your signature on the receipt. Make sure you've signed your card before you use it.
- card is locked: If you've entered your PIN incorrectly 5, your card will be locked for security. You can unlock it by resetting your PIN in MyMSD, call us, or, or wait until the next day – the card will unlock automatically at midnight.
Refunds
If you get a refund this will be credited against any debts you have with us. If you still need money to get the item you returned, talk to us.
Cancelled and expired cards
Your payment card may be cancelled if it has been damaged or lost. Once a card is cancelled it can no longer be used. Payment cards will also expire after a set amount of time, and once it expires it can no longer be used. The expiry date will be written on the card.
If you need a new card you can find out how to get one here:
Registered suppliers who can't accept payment cards
Sometimes suppliers who are registered with us can't accept our payment cards. This could be because:
- they don't use EFTPOS
- the EFTPOS network or our internal systems are down
- there's a state of emergency or natural disaster.
When you call us to apply, we'll talk about whether your supplier can accept payment cards, and other ways we can help if they can't.