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Victorian benefits and supports for you

We want to help all Victorians have a bit of extra cash in their back pocket, Here you can find rebates, concessions, subsidies or any other unclaimed benefit or money owing to you, to make the cost of living that little bit easier.

Having some extra cash in your wallet means you’ve got more money to cover daily expenses, put into your emergency fund or save for a rainy day.

Jump to

General financial support
Family support
Senior or pensioner support
Low-income earner support

I want general financial support

From trading in your outdated smartphones to getting support for your mental health, there are different money-saving programs and schemes you can access to help you get some additional money back in your wallet.

Unclaimed money

Discover any unclaimed money that might be in your name and put it right back where it belongs – in your bank account. It’s an easy-to-use, free service that only requires your name and address.

What do I need to get started?

Just your name and address.

How long will it take to apply?

Under 5 minutes.

Reclaim your money

Find any unclaimed money that might be in your name from lost bank accounts, shares and investments, and pop it back into your bank account. It’s a fast, free and easy process to see if you have any unclaimed cash.

What do I need to get started?

Just your name or Original Transaction Number (OTN), which is a unique number to help identify unclaimed money.

How long will it take to apply?

Under 5 minutes.

Reclaim your money

Discover any lost or unclaimed super that might be in your name and put that money towards your future. It’s easy to check for any lost super and consolidate it – future you will thank you.

What do I need to get started?

You’ll need a myGov account, super fund information and previous personal or work information.

How long will it take to apply?

Up to 15 minutes.

Find your super

Utilities and bills

If you switch to solar energy, you can save money on your electricity bills through government-supported rebates. It’s a simple process that can help you take control of your energy bills – if you’re eligible.

What do I need to get started?

A quote from an authorised solar retailer, your ID and proof of income.

How long will it take to apply?

Around 20 minutes.

Apply and save

Income support

You might be eligible to receive regular payments from the government to support you financially if you’re unemployed and are looking for work, or if you’re sick or injured and can’t work or study.

What do I need to get started?

A myGov account and Customer Reference Number (CRN). You can apply for JobSeeker online through the button below or by the Express Plus Centrelink app.

How long will it take to apply?

Around 30 to 60 minutes.

Apply now

You can reclaim any unpaid wages that might be owed to you through the Fair Work Ombudsman’s website. It's a quick process that only requires your surname and information about your past employer.

What do I need to get started?

Just your name and the ABN or business name of your previous workplace.

How long will it take

Under 5 minutes.

Reclaim your money

Health and disability

Save money on up to 10 individual and 10 group sessions with a mental health provider each calendar year. Depending on your needs, your doctor or psychiatrist can refer you for a group or single session. As health professionals set their own fees, the government may only cover some of the costs associated with your treatment.

What do I need to get started?

You’ll need to chat with your doctor or psychiatrist to get the referral.

How long will it take

Varies based on your doctor or psychiatrist.

Discover your options

You might be eligible for fortnightly payments from the government through the DPS for financial support if you’re a person with a disability. The DPS can help cover the cost of everyday expenses, medical bills and more.

What do I need to get started?

A myGov account and medical information about your disability. You can apply for the DPS through Centrelink online or by the Express Plus Centrelink app.

How long will it take

Varies based on your individual circumstances.

Get an overview

Access subsidised care services from the comfort of your home if you’re an older Australian and meet the criteria. You can get things like low-cost home modifications, affordable meal delivery and more to help you age comfortably.

What do I need to get started?

You’ll need your Medicare card. But if you’re applying on behalf of someone else, you’ll need to provide your personal information too.

How long will it take to apply?

About 20 minutes.

Apply now

Ask Izzy is a website that connects people in need with housing, a meal, money help, family violence support, counselling and much more. It is free and anonymous. You can find low- or no-cost support and services to help you with more than 400,000 support options.

What do I need to get started?

Nothing at all. Simply choose a category, follow the prompts and you can get access to the services you need.

How long will it take to apply?

Varies based on the services you need.

Find a service

You might be able to save money by accessing subsidised aids, equipment, home and vehicle modifications to cover the costs of living life safely and independently in your own home.

What do I need to get started?

You’ll need to do an assessment with a registered provider to work out the most appropriate and cost-effective aid or piece of equipment for you.

How long will it take to apply?

It will vary based on the registered provider.

Discover your options

If you apply for this exclusive grant, you can access financial aid for specific needs you otherwise can’t afford where no other government funding is available. With this financial support, you can live independently and safely at home.

What do I need to get started?

Varies based on the grant’s criteria.

How long will it take to apply?

Varies based on the grant you’re applying for.

Get an overview

Transport

If you’re eligible, you can save money when you use public transport across Melbourne and Victoria with a concession myki. You can easily apply for this discount if you’re an asylum seeker, health care card holder, pensioner, school or university student and more.

What do I need to get started?

Varies based on what type of concession myki you’re applying for, but you’ll need to download the form and send it to the Public Transport Victoria office.

How long will it take to apply?

Around 10 minutes.

Apply and save

You can travel for free across Victoria with the Access Travel Pass if you meet the criteria and have a permanent physical disability, cognitive disability or mental illness that prevents you from using a myki.

What do I need to get started?

Personal information, details about your disability, a passport-sized photo of yourself, and a declaration from your health practitioner. You’ll also need to download the form and send it to the Public Transport Victoria office.

How long will it take to apply?

About 15 to 30 minutes.

Apply now

Property and housing

You can save some money when buying your first home with an exemption or discount on your stamp duty. You might also be eligible for a small grant from the government to help you hop on the property ladder for the first time.

What do I need to get started?

Personal details, proof of income and financial information. If you and someone else – like a partner or sibling – are lodging a joint application, you both need to provide the relevant information.

How long will it take to apply?

As you can apply through your lender or on the State Revenue Office website, the application time will vary.

Get started now

You can receive additional financial aid from the government if you pay rent and receive any payment support if you meet the eligibility criteria.

What do I need to get started?

You don’t need to make a claim for Rent Assistance as Services Australia will check your eligibility when you make a new claim for other government supports.

How long will it take to apply?

N/A

Get an overview

Receive support to help you access overnight accommodation or private rental accommodation if you’re experiencing financial hardship and are eligible.

What do I need to get started?

As you need to apply through a registered provider, the required information may vary.

How long will it take to apply?

Varies based on provider.

Find a provider

Education and learning

You might be eligible for financial aid to cover the costs of essential schooling and training costs if you’re an Aboriginal or Torres Strait Islander. This funding can pay for you or your child’s school and boarding fees, books, stationery and more.

What do I need to get started?

A myGov account, Customer Reference Number (CRN), and other supporting documents based on the type of ABSTUDY support you’re claiming.

How long will it take to apply?

Varies based on what type of ABSTUDY support you’re claiming.

Discover your options

You can receive additional financial support from the government if you just started studying and are eligible.

What do I need to get started?

A myGov account, personal information and banking details.

How long will it take to apply?

Varies based on the type of EdEP you’re claiming.

Get an overview

You can access over 80 free TAFE qualifications and short courses without paying a cent – even if you have a current VET qualification or degree.

What do I need to get started?

As you apply through an eligible TAFE and vocational educational place, what you need may vary.

How long will it take to apply?

Varies between providers.

Find a course

You can pay lower tuition fees for courses in growth industries through government-subsidised training.

What do I need to get started?

Personal information and details about any of your past studies.

How long will it take to apply?

You’ll need to apply through a training provider with a Skills First place available so the application time may vary.

Check your eligibility

Other supports

Swap your outdated smartphones for extra cash. Simply upload details about your phone or tablet, share your bank details, send in your device and you’ll get cash back.

What do I need to get started?

You’ll need information about your phone (including IMEI number), your banking details and ID.

How long will it take to apply?

Around 15 minutes.

Get started now

Your bank might offer accounts specific for concession card holders. These bank accounts promote easy access to your money and waive fees associated with the account. Chat with your bank to see if they offer these accounts, or look at the list of eligible accounts from the Australian Bankers’ Association.

What do I need to get started?

Chat with your bank to see what options are available to you – they can tell you what you’ll need to open an account.

How long will it take to apply?

Varies based on your bank and the account you’re opening.

Discover your options

I have a family

Raising a family often comes with juggling your child’s health, education, the sports they play and more. That’s why we’ve got a list of all the different financial assistance programs and support to make raising your family that little bit easier.

Income support

You can receive fortnightly payments from the government to help with the cost of raising your children if you and your family are eligible.

What do I need to get started?

A Centrelink online account, some personal information and your banking details.

How long will it take to apply?

About 30 minutes.

Get started now

If you’re eligible, you can receive a lump sum to increase your FTB payment when you start caring for a newborn or a child that’s recently come into your care.

What do I need to get started?

When you apply for the FTB, the government will check if you’re eligible for this payment.

How long will it take to apply?

N/A

Get started now

You might be eligible for an annual payment to help cover the costs of raising your family if you’re a single parent.

What do I need to get started?

A Centrelink online account, some personal information and your banking details.

How long will it take to apply?

About 30 minutes.

Get started now

Health and disability

You can get financial support from the government to pay for all or some of your child’s dental care.

What do I need to get started?

A Medicare card and other information based on how you’re making the claim. You can get the benefit at the dentist, through Medicare online or the Express Plus Medicare app.

How long will it take to apply?

Varies based on how you applied for the benefit.

Make a claim

Your child can receive free dental care if they’re enrolled in a Victorian government primary, secondary or specialist school. Now that’s something worth smiling about.

What do I need to get started?

Nothing!

How long will it take to apply?

N/A

Get an overview

You can receive a yearly payment to cover the cost of your child’s school camps, excursions, sports and outdoor education programs.

What do I need to get started?

You’ll need to download the form from the button below and submit it to your child’s school. Have your concession card and student information ready.

How long will it take to apply?

About 15 minutes.

Get started now

Raising a family

You can receive support from the government to cover some of the cost of childcare to give your child a good education early in life.

What do I need to get started?

A myGov account that’s linked to Centrelink, some personal information and banking details.

How long will it take to apply?

About 30 minutes.

Get started now

You can receive fortnightly payments from the government to financially support you if you’re the primary carer for a young child.

What do I need to get started?

A myGov account that’s linked to Centrelink, some personal information and banking details.

How long will it take to apply?

About 30 minutes.

Get started now

You might be able to receive regular financial support for up to 20 weeks if you recently gave birth or adopted a child and are taking time off work.

What do I need to get started?

A myGov account that’s linked to Centrelink, some personal information and banking details.

How long will it take to apply?

About 30 minutes.

Get started now

You can receive a payment for up to two weeks if you’re a dad or partner of someone who recently gave birth or adopted a child.

What do I need to get started?

A myGov account that’s linked to Centrelink, some personal information and banking details.

How long will it take to apply?

About 30 minutes.

Get started now

If you’re a carer of a child whose parents can’t care for them or have passed away, you might be eligible for financial support to look after them.

What do I need to get started?

A myGov account that’s linked to Centrelink, some personal information and banking details.

How long will it take to apply?

About 30 minutes.

Get started now

Education and learning

You can access up to 15 hours of subsidised kindergarten delivered by a qualified early childhood teacher for low or no cost if you’re eligible.

What do I need to get started?

Your kindergarten service will apply for the subsidy on your behalf. They will let you know if they need anything from you.

How long will it take to apply?

Varies based on kindergarten provider.

Check your eligibility

You can receive financial support to help cover the cost of your child’s travel to and from school.

What do I need to get started?

Your child’s school will apply on your behalf. They will let you know if they need anything from you.

How long will it take to apply?

Varies based on the school.

Check your eligibility

I am a senior or pensioner

As you get older, different parts of your life may change. Knowing what support is available can help you during this stage of your life. That’s why we’ve got a list of rebates and support programs you can access to be financially ready in your twilight years.

Health and disability

You can get discounted rates on your electricity and water bills if you or someone you live with uses an intermittent peritoneal dialysis machine, oxygen concentrator or haemodialysis machine. This rebate only applies to concession card holders.

What do I need to get started?

Download the application form and then send a completed version to your electricity and water provider.

How long will it take to apply?

Around 15 to 20 minutes.

Apply and save

You can receive a discount on your electricity bills if you or someone you live with has a medical condition that’s aggravated by changes in temperature. This rebate only applies to concession card holders.

What do I need to get started?

Download the application form and then send a completed version to your electricity provider.

How long will it take to apply?

Around 15 to 20 minutes.

Apply and save

Transport

Travel for free throughout Victoria if you’ve got a pensioner’s concession card or seniors card. You just need your personal information and an eligible senior or pensioner’s card to apply.

What do I need to get started?

Your name, address and relevant concession or senior card.

How long will it take to apply?

Up to 5 minutes.

Apply and save

Property and housing

Get a discount on your council rates. How good is that?

What do I need to get started?

Download the form and send a completed version to your local council. You’ll also need your concession card handy.

How long will it take to apply?

Up to 10 minutes.

Get started now

Other supports

Get discounts at a number of different businesses, such as local dining, entertainment and health services.

What do I need to get started?

Nothing!

How long will it take to apply?

Up to 10 minutes to search for a specific business.

Search and save

I earn a low income

Being a low-income earner or concession card holder can sometimes feel overwhelming, especially when it comes to money. We’ve listed some of the different benefits you can access to make navigating life and your finances more manageable.

Utilities and bills

You can get discounted rates on your electricity bills and save money each month if you’re a concession card holder. Simply contact your electricity provider or visit their website to apply for an electricity concession.

What do I need to get started?

You’ll need to contact your electricity provider and have your concession card on hand.

How long will it take to apply?

Varies based on provider.

Get an overview

You can save money on your water and sewerage bills if you’re a concession card holder. The amount you save will be capped at a certain amount each year.

What do I need to get started?

Contact your water provider and have your concession card on hand.

How long will it take to apply?

Varies based on provider.

Get an overview

You might be eligible for financial support from the Victorian Government if you’re experiencing unexpected hardship and are behind on your utility bills. You will be covered for the costs of these bills up to a certain amount.

What do I need to get started?

You’ll need to contact your electricity, gas or water provider.

How long will it take to apply?

Varies based on provider.

Check your eligibility

If you’re a low-income earner or concession card holder, you might be eligible for discounted rates on your non-main energy usage, like using energy from solar panels.

What do I need to get started?

Download the form and email or mail a completed version to the Department of Families, Fairness and Housing. You’ll also need your concession card and information about your gas usage.

How long will it take to apply?

Up to 10 minutes.

Check your eligibility

You can get a discount for your non-mains water usage, like usage from a rainwater tank, if you’re a low-income earner or concession card holder.

What do I need to get started?

Download the form and email or mail a completed version to the Department of Families, Fairness and Housing. You’ll also need your concession card and information about your non-mains water purchases.

How long will it take to apply?

Up to 10 minutes.

Check your eligibility

You can get a discount on your energy bills if they’re a lot higher than originally anticipated. To be eligible, you need to hold a concession card and have an annual electricity cost over a certain amount.

What do I need to get started?

Your electricity provider will send you a form to fill out and return. You’ll need your concession card on standby.

How long will it take to apply?

Varies based on provider.

Check your eligibility

You might be eligible for a discount on your gas bill when winter comes around and you hold a concession card.

What do I need to get started?

Your gas provider will send you a form to fill out and return. You’ll need your concession card on standby.

How long will it take to apply?

Varies based on provider.

Check your eligibility

Health and disability

You might be able to access affordable health care and receive other discounts, like public transport, with this concession card for low-income earners.

What do I need to get started?

A myGov account, and some personal and financial information.

How long will it take to apply?

Around 30 minutes.

Apply and save

You can access low-cost and affordable public dental care if you’ve got a concession card. If you want to go private and are a concession card holder, then there are other schemes you can apply for depending on your oral health needs.

What do I need to get started?

Varies based on where you go for dental care.

How long will it take to apply?

Varies based on where you go for dental care.

Check your eligibility

If you’ve got a concession card, then you can access subsidised and cost-effective eyecare from a registered VES clinic.

What do I need to get started?

You’ll need to visit a registered clinic or call 1300 303 125 to get things started.

How long will it take

Varies based on service provider.

Find a clinic

You don’t have to pay for ambulance services if you hold a concession card. If you’re experiencing financial hardship, Ambulance Victoria will arrange a payment amount and method that suits your situation.

What do I need to get started?

You’ll need to have your concession card on hand when you use Ambulance Victoria’s services. You can also call them on 1800 990 029 to talk about your payment options.

How long will it take to apply?

N/A

Get an overview

If you run a disability self-help group, you might be eligible for financial assistance to cover the operational costs. The funding will help your group provide social, emotional and practical support to people with disability.

What do I need to get started?

Varies based on the grant you’re applying for.

How long will it take to apply?

Varies based on the grant you’re applying for.

Get an overview

Transport

You can receive a discount on your vehicle registration if you have a concession card or are the spouse of someone with a concession card.

What do I need to get started?

You need a myVicRoads account, your concession card and information about your car.

How long will it take to apply?

Up to 15 minutes.

Apply and save

If you’re eligible, you can save money when you use public transport across Melbourne and Victoria with a concession myki. You can easily apply for this discount if you’re an asylum seeker, health care card holder, pensioner, school or university student and more.

What do I need to get started?

Varies based on what type of concession myki you’re applying for, but you’ll need to download the form and send it to the Public Transport Victoria office.

How long will it take to apply?

Around 10 minutes.

Apply and save

Property and housing

Receive additional financial support to help you pay a bond before moving into your new rental if you’re within the income and asset test.

What do I need to get started?

You’ll need a myGov account, proof of your assets and income, and details about your bond and lease.

How long will it take to apply?

Around 30 minutes.

Get started now

You can receive additional financial aid from the government if you pay rent and receive any payment support if you’re eligible.

What do I need to get started?

You don’t need to make a claim for Rent Assistance as Services Australia will check your eligibility when you make a new claim for other government supports.

How long will it take to apply?

N/A

Get an overview

Important information

ANZ does not guarantee the content on this page is accurate or complete, or whether it is appropriate for you. It is intended as general information only. ANZ is not responsible for the content of third party sites. Always check eligibility and T&Cs before applying for any rebate, product or service.

The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

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