Tag: parent visa bond

The Assurance of Support is one of the most misunderstood parts of the Australian parent visa process. Families either don’t know it exists until late in the application, or they understand it vaguely as “a bond” without grasping what it actually commits them to. This guide covers it plainly.

What is an Assurance of Support?

An Assurance of Support (AoS) is a legal commitment made by a person in Australia (the assurer) to repay the Commonwealth government if the visa holder accesses certain welfare payments during a defined period. It is backed by a cash bond held by the Department of Social Services.

In practical terms: if your parent is granted a permanent parent visa, someone in Australia needs to vouch financially that they will not rely on government welfare payments for the specified period. That person lodges a bond in cash. If your parent receives certain welfare payments and the government seeks reimbursement, the bond can be drawn down. If no claims are made, the bond is returned in full at the end of the period.

The AoS is administered by Services Australia (formerly Centrelink), not by the Department of Home Affairs. It is a separate process from the visa application itself, but it is a condition that must be met before the visa can be granted.

Which parent visas require an Assurance of Support?

The AoS is required for the following parent visas:

• Contributory Parent Visa (Subclass 143)
• Parent Visa (Subclass 103)
• Contributory Aged Parent Visa (Subclass 864)
• Aged Parent Visa (Subclass 804)

The temporary Sponsored Parent Visa (Subclass 870) does not require an Assurance of Support. This is one of the practical advantages of the 870 for families where the bond requirement creates difficulties.

How much is the Assurance of Support bond?

The bond amount depends on how many adults are included in the visa application.

Single applicant

For a single adult visa applicant, the AoS bond is $10,000. This is paid as a lump sum to Services Australia before the visa is granted.

Two applicants together

If two adults are applying together (for example, both parents on a joint application), the bond is $14,000 for both combined. It is not $10,000 per person when applying jointly. This is a common source of confusion.

The bond is paid in full upfront. There are no payment plan options. The assurer needs to have the cash available at the point the bond is requested, which typically occurs when the visa is close to being granted.

Who can be an assurer?

The assurer is usually the sponsoring child in Australia, but it does not have to be. An assurer must be:

• An Australian citizen, Australian permanent resident, or eligible New Zealand citizen
• At least 18 years of age
• Resident in Australia
• Able to meet the income threshold for the AoS period

There can be more than one assurer on a single AoS. Having a joint assurer (for example, the Australian child and their partner) is common and is often necessary to meet the income requirements.

Income requirements

The assurer must demonstrate sufficient income to meet the government’s threshold. The income test is applied at the time the AoS bond is lodged. Services Australia assesses whether the assurer’s income is adequate to support both their existing dependants and the incoming visa holder(s) without recourse to government support.

The income thresholds are updated periodically and vary depending on the assurer’s family composition. If the assurer’s income falls below the relevant threshold, the AoS may not be approved, which can block the visa grant. It is worth confirming income eligibility early in the process rather than finding out late.

Can a partner’s income be combined?

Yes. If the primary assurer is in a relationship, they can include their partner as a co-assurer, and the combined household income is assessed against the threshold. This is actually how most families get across the line when a single income is not enough. Both partners need to be willing to enter into the legal commitment of the AoS, and both need to meet the eligibility criteria above.

What happens if the assurance is called in?

During the AoS period, if your parent accesses certain welfare payments (primarily income support payments from Centrelink), Services Australia can seek repayment from the assurer. The bond is available to cover these costs. If the welfare debt exceeds the bond amount, the assurer may be personally liable for the shortfall.

In practice, most parent visa holders do not access the specific welfare payments that trigger AoS recovery. The main risk categories are income support payments, which parents generally cannot access for several years after arriving in Australia regardless of the AoS. But the commitment is real and should be understood before it is entered into.

The AoS period for contributory parent visas (143 and 864) is 10 years from visa grant. For non-contributory parent visas (103 and 804), the period is also 10 years.

When is the bond released?

The $10,000 or $14,000 bond is held for the full 10-year AoS period. At the end of that period, provided no recovery action has reduced the bond balance, the full amount is returned to the assurer. Services Australia initiates the release process and the funds are returned by cheque or direct deposit.

There is no interest earned on the bond during the holding period. The money sits in a Commonwealth Bank account in the assurer’s name but earns nothing. The real financial cost of the AoS is not the $10,000 or $14,000 itself (since you get it back), but the 10-year opportunity cost of having that capital locked away.

Frequently asked questions

Can the AoS bond be paid in instalments?

No. The bond must be paid as a single lump sum when Services Australia approves the AoS and issues a payment request. There is no instalment arrangement. If you do not have the funds available at that point, the AoS cannot proceed and the visa cannot be granted.

What if the assurer’s financial circumstances change after the bond is lodged?

Once the AoS is in force, the assurer’s ongoing financial situation does not affect the bond itself. The bond amount is fixed at lodgement. However, if the assurer loses income and becomes unable to meet the obligations of the AoS agreement (for example, reimbursing the government for welfare payments accessed by the visa holder), they remain legally liable regardless. The AoS is a genuine legal commitment, not just a deposit.

Does the AoS affect the assurer’s ability to access welfare payments themselves?

Not directly. The AoS does not automatically exclude the assurer from accessing Centrelink payments they are otherwise entitled to. However, Services Australia will consider the assurer’s income and assets when assessing any future payments, and having a significant cash bond in their name may affect some means-tested calculations.

What happens to the bond if the visa holder passes away during the 10-year period?

If the visa holder passes away during the AoS period, the obligation generally ends. Services Australia should be notified, and the remaining bond balance (less any amounts already claimed for welfare payments) can be returned early. The exact process depends on individual circumstances and it is worth contacting Services Australia directly when this situation arises.

Get the full picture before you commit

The Assurance of Support catches families off guard more than almost any other part of the parent visa process. I am Andrew Heathcote, a registered migration agent (MARN 0850840) based in Brisbane. I have been working on parent visas for more than 15 years and I can walk you through exactly what the AoS means for your family, whether you meet the income requirements, and how to structure it properly.

Contact me for a consultation before you get to the point where the AoS becomes urgent.