To contribute to your super via salary sacrifice, you’ll need to set up a deduction from your before-tax pay through your employer. We recommend you have a chat to your employer or payroll to make sure you’re able to make before-tax contributions from your pay into your super account.
Talk to your employer about your options to set up a salary sacrifice arrangement and how much you’d like to deduct from your pay. And, understand if salary sacrifice contributions will impact any other employment entitlements such as termination payments, bonuses and employment benefits.
If the arrangement is right for you, complete our salary sacrifice form and give it to your employer so that they can set up the contributions from your before-tax pay into your super.
You can also set up a one-off or regular contribution via BPAY from your financial institution. To find your BPAY details, log in to your account or refer to your annual statement. Remember, there is a limit on the amount of contributions you can make without tax penalty so make sure you understand how your contribution will be treated.
Log in and choose Add money to my super
Click contribute using BPAY and record the Biller code and Reference Number
Log in to your online or mobile banking to contribute to your super.
Adding to your super now can mean more at retirement. Consider the Concessional Contribution and Non-Concessional Contribution caps before contributing so that you don’t end up paying more tax than you need. Also, make sure you are eligible to contribute before making a contribution.
Make sure you don’t pay extra tax by understanding how the limits (or caps) work.
To be eligible to contribute to super, you may need to meet certain age and work conditions.