A great place to start is getting your super balance looking much healthier. Make a personal contribution via direct debit or BPAY®[L1] today. It’s a great way to invest in your own financial wellbeing.[S1]
Top up your super in Member Online in just a few minutes. Make your contribution today.[S1]
Grow your super through extra contributions. A bit extra now could add up to a lot more later.[S1]
Top up your super and complete your ‘Notice of Intent to claim a tax deduction’ form online in a few minutes.
Topping up your super is just like paying your future self. You can easily set up one-off or recurring personal, after-tax contributions into your super account via direct debit or BPAY®. And, it’s easy to claim your tax deduction online. See how below:
Watch our short video on how to make a direct debit contribution through your Member Online account.
You can complete a Notice of Intent form to claim a tax deduction online. It takes just a few minutes in your Member Online account.
You should do this once your contribution has processed and hit your super fund account, not before. You can check the status of your contribution, in Member Online. Go to ‘Activities’ tab and select 'My activities.'
You must process the tax deduction claim online before you lodge your tax return for that year and within a year of the end of the financial year in which you made the contribution.
Watch this short video to show you how to add a bank account to your Member Online, so you can make a direct debit contribution.
Log in to your Aware Super mobile app
Your contribution will take up to 3 business days to process.
If you don’t have the app you can download it for free from the Apple Store or on Google Play.
Log in to your Aware Super account to find your BPAY® biller code and Customer Reference Number (CRN)
To claim a tax deduction for personal contributions made from your take home pay, you must complete a Notice of intent to claim a tax deduction for personal contributions form and send it to us. It’s quick and easy to process this in Member Online, and it saves you completing paperwork.
You should do this before you lodge your tax return for that year and before the end of the financial year following the year you made the contribution.
When you make your contribution, it will be initially treated as an after-tax contribution. Once we receive your Notice of intent, it will become a before-tax contribution, and so can be deducted from your taxable income when you do your tax return. We will deduct the 15% contributions tax that applies. You will receive a letter from us acknowledging that this has taken place. You must receive this acknowledgement before you can claim the deduction on your tax return.
If you’re less than 67 years of age, you can claim a deduction for personal contributions regardless of your work situation. But if you’re aged between 67 and 75, you’ll need to meet the work test or work test exemption criteria before you can make a personal contribution.
To pass the work test you must have been gainfully employed for at least 40 hours within 30 consecutive days during the financial year in which you make the contributions (or during the previous financial year, under the once-off work test exemption available to individuals with a total super balance under $300,000 at the end of the previous financial year).
There are limits on how much you can pay into your super fund each financial year. These limits are called 'contribution caps'. There are separate limits for personal after-tax contributions, and for before-tax contributions - these are referred to as the “non-concessional contributions cap” and the “concessional contributions cap”.
If you have more than one super fund, all your contributions are added up and count towards your caps. If you go over these caps, you may need to pay extra tax.
[S1] Before contributing, consider the current annual contribution limits. Exceeding these limits may reduce any tax benefits you could receive. Visit Grow your super for more information.
[L1] ®Registered to BPAY Pty Ltd (ABN 69 079 137 518)
