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Determinations/Social Security as made
This determination supports the cashless welfare arrangements until 30 June 2019 and declares a kind of business (by merchant category codes, terminal identification codes, card accepted identification codes, in relation to which transactions involving money in a welfare restricted bank account may be declined by a financial institution.
Administered by: Social Services
Registered 14 Mar 2018
Tabling HistoryDate
Tabled Senate20-Mar-2018
Tabled HR26-Mar-2018
Date of repeal 29 Jun 2019
Repealed by Social Security (Administration) (Trial of Cashless Welfare Arrangements) (Declinable Transactions and Welfare Restricted Bank Account) Determination 2019
This Legislative Instrument has been subject to a Motion to Disallow:
Motion Date:
25-Jun-2018
Expiry Date:
13-Sep-2018
House:
Senate
Details:
Full
Resolution:
Negatived
Resolution Date:
20-Aug-2018
Resolution Time:
Provisions:
Table of contents.

Commonwealth Coat of Arms of Australia

 

Social Security (Administration) (Trial – Declinable Transactions and Welfare Restricted Bank Account) Determination 2018

I, Roslyn Baxter, Group Manager, Families & Communities Reform Group, as a delegate of the Secretary of the Department of Social Services make the following instrument.

Dated   13 March 2018

Roslyn Baxter

Group Manager

Families & Communities Reform Group

Department of Social Services

 

 

 


Contents

Part 1 — Preliminary                                                                                                   1

1  Name........................................................................................................................................ 1

2  Commencement........................................................................................................................ 1

3  Repeal....................................................................................................................................... 1

4  Authority.................................................................................................................................. 1

5  Schedules................................................................................................................................. 1

6  Definitions................................................................................................................................ 1

Part 2 — Declinable Transactions                                                                               2

7  Declining of a transaction by a financial institution.................................................................. 2

Part 3 — Welfare Restricted Bank Account                                                              3

8  Welfare restricted bank account................................................................................................ 3

9  Terms and conditions of welfare restricted bank account......................................................... 3

Schedule 1—Repeals                                                                                                     4

Social Security (Administration) (Trial - Declinable Transactions) Determination 2016      4

Social Security (Administration) (Welfare Restricted Bank Account) Determination 2016   4

Schedule 2—Declared kinds of business pursuant to s 124PQ(2) — By description      5

Schedule 3— Declared kinds of business pursuant to s 124PQ(2) of the Act — By Merchant Category                                                                                                                  6

Schedule 4— Declared kinds of business pursuant to s 124PQ(2) of the Act — By Australian New Zealand Standard Industrial Classification (ANZSIC) codes            7

Schedule 5— Declared kinds of business pursuant to s 124PQ(2) — By reference to terminal identification codes                                                                                 8

Schedule 6— Declared kinds of business pursuant to s 124PQ(2) — By reference to card accepted identification codes                                                                                 9

Schedule 7— Declared kinds of business pursuant to s 124PQ(2) — By reference to BPAY biller codes                                                                                                              100

Schedule 8—Terms and conditions relating to the establishment, ongoing maintenance and closure of welfare restricted bank accounts                                                      111

 

 


Part 1 — Preliminary   

1  Name

                   This instrument is the Social Security (Administration) (Trial – Declinable Transactions and Welfare Restricted Bank Account) Determination 2018.

2  Commencement

                   This instrument commences on the day it is registered.

3  Repeal

                   This instrument will be repealed at the start of 1 July 2019.

4  Authority

                   This instrument is made under subsections 124PP(1) and 124PQ(2) of the Social Security (Administration) Act 1999.

5  Schedules

                   Each instrument that is specified in Schedule 1 to this instrument is repealed as set out in that schedule, and any other item in a Schedule to this instrument has effect according to its terms.

6  Definitions

Note:          A number of expressions used in this instrument are defined in the Act, including the following:

(a)                      restrictable payment;

(b)                      trial participant;

(c)                      voluntary participant.

 

                   In this instrument:

                   Act means the Social Security (Administration) Act 1999.

                   excluded goods or services means goods or services specified in item (5) of Schedule 2 to this instrument.

                   Indue Limited means Indue Ltd (ABN 97 087 822 464).

                   trial period means the period specified in subsection 124PF(1) of the Act.

                   welfare restricted bank account is a bank account of the kind referred to in section 7 of this instrument.

 


Part 2 — Declinable Transactions   

7  Declining of a transaction by a financial institution

                   For the purposes of subsection 124PQ(2) of the Act, the kinds of businesses specified in Schedule 2, Schedule 3, Schedule 4, Schedule 5, Schedule 6 or Schedule 7 to this instrument are kinds of businesses in relation to which transactions involving money in a welfare restricted bank account may be declined by a financial institution.


Part 3 — Welfare Restricted Bank Account   

8  Welfare restricted bank account

                   For the purposes of subsection 124PP(1) of the Act, the kind of bank account to be maintained by a trial participant or voluntary participant for the receipt of restrictable payments is a debit card account established with Indue Limited.

9  Terms and conditions of welfare restricted bank account

                   For the purposes of subsection 124PP(2) of the Act, a welfare restricted bank account is subject to the terms and conditions set out in Schedule 8 to this instrument.

 

Schedule 1Repeals

Social Security (Administration) (Trial - Declinable Transactions) Determination 2016

1  The whole instrument

Repeal the instrument

Social Security (Administration) (Welfare Restricted Bank Account) Determination 2016

2  The whole instrument

Repeal the instrument

Schedule 2—Declared kinds of business pursuant to s 124PQ(2) — By description

 

Item

Description

1

A business which sells alcoholic beverages, gambling services or gift cards, store cards or vouchers (whether reloadable or not), that can be used to purchase alcoholic beverages or gambling services

2

A business from which purchases may be made via online transactions or without the need to present a debit card, and the transaction involving money in a welfare restricted bank account is proposed to be made without presenting a welfare restricted bank account debit card

 

 

 

Schedule 3— Declared kinds of business pursuant to s 124PQ(2) of the Act — By Merchant Category

 

Item

MCC Code

Description

1

4829

Quasi Cash - Wire Transfer Money Order

2

5309

Duty Free Stores

3

5813

Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques

4

5921

Package Stores--Beer, Wine, and Liquor

5

6010

Financial Institutions--Manual Cash Disbursements 

6

6011

Financial Institutions--Automated Cash Disbursements 

7

6012

Quasi Cash - Financial Institution - Merchandise and Services

8

6050

Quasi Cash - Member Financial Institution

9

6051

MasterCard - Quasi Cash-Merchant; Visa- None Financial Institutions - foreign currency, money orders (not wire transfer), & Travelers Cheques

10

6211

Securities - Brokers and Dealers

11

6529

Quasi Cash - Remote Stored Value Load - Financial Institute

12

6530

Quasi Cash - Remote Stored Value Load - Merchant

13

6531

Payment Service Provider

14

6534

Quasi Cash - Money Transfer - Member Financial Institution

15

7511

Quasi Cash - Truck Stop Transactions

16

7778

Citishare Cash Advance

17

7932

Billiards & Pool Establishments

18

7995

Betting, including Lottery Tickets, Casino Gaming Chips, Off- Track Betting, and Wagers at Race Track

19

9754

Quasi Cash - Gambling-Horse Racing, Dog Racing, State Lotteries

 

Schedule 4— Declared kinds of business pursuant to s 124PQ(2) of the Act — By Australian New Zealand Standard Industrial Classification (ANZSIC) codes

 

Item

ANZSIC code

Description

1

1212

Beer Manufacturing

2

1213

Spirit Manufacturing

3

1214

Wine and Other Alcoholic Beverage Manufacturing

4

3606

Liquor and Tobacco Product Wholesaling

5

4123

Liquor Retailing

6

4520

Pubs, Taverns and Bars

7

9201

Casino Operation

8

9202

Lottery Operation

9

9209

Other Gambling Activities

 

Schedule 5— Declared kinds of business pursuant to s 124PQ(2) — By reference to terminal identification codes

 

Item

Terminal identification code

Description

1

14307200

Bistro Bar 1 at the Ceduna Foreshore Hotel Motel

2

15004500

Bistro Bar 2 at the Ceduna Foreshore Hotel Motel

3

15003900

Saloon Bar at the Ceduna Foreshore Hotel Motel

4

15004000

Saloon Bar 1 at the Ceduna Foreshore Hotel Motel

5

15002100

Saloon Bar 2 at the Ceduna Foreshore Hotel Motel

6

15003800

Bottlo 1 at the Ceduna Foreshore Hotel Motel

7

15004600

Bottlo 2 at the Ceduna Foreshore Hotel Motel

8

15001900

Function Room at the Ceduna Foreshore Hotel Motel

9

08185210

Thevenard Hotel

10

P2092318

Nullarbor Roadhouse

11

81919946

Emma Gorge - El Questro

12

81946758

Hotel Kununurra

13

81945869

Hotel Kununurra

14

64939678

Hotel Kununurra

15

81946861

Hotel Kununurra

16

81946761

Hotel Kununurra

17

81946764

Hotel Kununurra

18

81946865

Hotel Kununurra

19

81911536

Hotel Kununurra

20

81919946

El Questro Station

21

86212300

Pumphouse Restaurant

22

46339200

Drysdale River Station

23

1, 2, 3, 4,

K6C242

Lake Argyle Resort

24

46188900

Lake Argyle Resort

25

46189700

Lake Argyle Resort

26

07905005

Smoky Bay Community Club

27

07785075

Ceduna Motor Inn

28

P3611003

Penong Hotel

29

26741300

Utakarra IGA

30

26741100

Utakarra IGA

Schedule 6— Declared kinds of business pursuant to s 124PQ(2) — By reference to card accepted identification codes

 

Item

Card accepted identification code

Description

1

 

 

2

 

 

3

 

 

4

 

 

5

 

 

 

Schedule 7— Declared kinds of business pursuant to s 124PQ(2) — By reference to BPAY biller codes

 

Item

BPAY Biller code

Description

1

 112615

Purchase of on-line ‘money orders’ at Australia Post

 

Schedule 8—Terms and conditions relating to the establishment, ongoing maintenance and closure of welfare restricted bank accounts

(1)            A welfare restricted bank account can only be:

(a)          opened in a single name; and

(b)          operated by the sole holder of the account.

(2)            A debit card will be provided to the holder of a welfare restricted bank account.

(3)            Any amount of money can be deposited into a welfare restricted bank account.

(4)            Cash cannot be withdrawn from a welfare restricted bank account, whether through the use of a debit card attached to the account or by other methods of withdrawal.

(5)            Systems are in place which, so far as possible, prevent money in a welfare restricted bank account, and a debit card attached to that account, being used to purchase:

(a)          alcoholic beverages; or

(b)          gambling; or

(c)          gift cards, store cards or vouchers (whether reloadable or not), where those gift cards, store cards or vouchers allow for the purchase of alcoholic beverages or gambling.

(6)            Systems are in place which, so far as possible, prevent a trial participant or voluntary participant transferring money from a welfare restricted bank account to another bank account that is not a welfare restricted bank account unless the money is transferred for a purpose other than enabling the trial participant or voluntary participant to access cash or obtain excluded goods or services.

(7)            The debit card attached to the welfare restricted bank account may be used to purchase goods or services over the telephone or internet, or without presenting the debit card only if systems are in place to prevent the card being used in this way to purchase excluded goods or services.

(8)            Fees may not be charged in relation to depositing money into a welfare restricted bank account, or in relation to providing an initial debit card.

(9)            Interest cannot be charged on a balance in a welfare restricted bank account that is less than zero.

(10)          Interest cannot be paid on a balance in a welfare restricted bank account.

(11)          A welfare restricted bank account provided to a person may be closed during the trial period only if the person is not a trial participant.

(12)          A welfare restricted bank account cannot be used in an arrangement involving automatic drawing or withdrawal of monies by a third party that is based on BSB and account number.

(13)           Limitations will be placed on the amounts a trial participant or voluntary participant can spend using a debit card attached to the account.

(14)           Limitations will be placed on the amounts a particular holder of a welfare restricted bank account can transfer out of his or her welfare restricted bank account.