Judge Ruth remanded the pair on bail to reappear next month.
The couple are accused of using false documents to receive Work and Income payments.
Each allegedly took a 25 per cent cut of payments, and $375,000 was paid since December 2011.
According to police charge sheets, the couple used false documents to also get Work and Income payments for emergency dental treatment, optometry, whiteware and furniture.
Some of the people the couple allegedly used to apply for the money were also named in the charge sheets.
Their Papatoetoe home was raided by police on Thursday following an investigation started after a tip-off from the Ministry of Social Development early last month.
A ministry spokeswoman would not discuss how the payments could have been made to the couple, but Associate Social Development Minister Chester Borrows said: "The vast majority of the payments were benefit advances and the beneficiaries in the main are repaying these out of their regular benefit payments."
Payment processes had changed since the alleged offences came to light.