Contributing extra now can have a big impact later
Putting even a few dollars extra into your super each week can significantly boost your retirement savings and may even lower your taxable income.

Make your money
work for you

Thanks to the power of compound interest, every extra dollar you contribute will be reinvested again and again—growing your savings faster.

Put your dollars
into retirement, not tax

Making a before-tax contribution (i.e. salary sacrifice) could reduce your taxable income, essentially converting your tax dollars into retirement savings.

Give yourself
the lifestyle you want

You deserve a great life after work. And contributing extra today could mean being able to have the lifestyle you imagine for yourself in retirement.

Make a contribution

Log in online or using our app.

3Decide what type of contribution you want to make and follow the instructions.

Click submit. Done!

Before-tax or after-tax?

  1. Check with your employer to make sure they accept salary sacrifice arrangements.
  2. Download and complete a Contributions Form.
  3. Give it to your employer’s payroll department. You’re on your way to a better retirement.

It’s very simple. Just use BPAY®.

Biller code: 646596

Reference number: Your Customer Reference Number

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Expert advice can make a big difference for your peace of mind.

Our advice offer is designed to help you maximise your financial position.

We offer expert, phone-based advice on a single super-related issue, as well as Retire Ready meetings—both at no cost to you.

And we’ve partnered with senior financial advisers to offer personal financial planning. Your first meeting is free.

Call 1800 555 667.

But first, know your contribution limits

There are limits on how much you can contribute to your super each year, and it’s up to you to watch how much you’ve contributed.

Luckily, it’s easy to keep track of your before-tax contributions with iQ Super. Just log in to your account or download the app, and you can view all your contributions for the financial year.

For more information, read our Contribution Limits Fact Sheet.

All the ways to grow your super

Generally, your employer pays money— or Superannuation Guarantee contributions— into a super account over your working life for you to live on when you retire from work. They pay these contributions on top of your salary and wages.

And if you’re changing jobs and want to take iQ Super with you, give your new employer a completed Choosing Russell Investments Form, so you can get them to pay any future or additional super contributions to your account with us.

It’s a great way to grow your super while saving on tax.

You can make a before-tax (concessional) contribution via salary sacrifice, which means paying part of your salary into your super (‘sacrifice’) before income tax has been calculated. This means you have less taxable income, plus your salary sacrifice amount gets taxed at only 15%.

Check with your employer if they offer it, and if so, simply give your employer a completed Contributions Form, so they can start making payments to your account with us.

Trying to decide between making salary sacrifice and non-concessional (after-tax) contributions? Read our fact sheet.

If you receive some extra cash (such as an inheritance or tax return), making an after-tax (or non-concessional) contribution can be a great investment option—as well as benefiting from super’s tax-friendly environment.

Read our fact sheet to find out more.

You can help boost your spouse’s retirement savings by making a contribution to their super account.

This can be a good idea if your spouse is a stay at home parent or has had time out of the workforce—and if they are a low-income earner, you may be eligible for a tax offset.

There are two ways to split your super with your spouse (including de facto):

  1. You can make an after-tax super contribution to your spouse’s super account, using the Spouse Contribution Form.
  2. You may be able to claim a tax rebate of up to $540 a year for any after-tax spouse contributions you make.

    Remember, the contributions you make for your spouse count towards their after-tax contribution limit.

  3. You can make a before-tax contribution and split your super with your spouse, once a financial year. This is called spouse contribution splitting and can be done via a Contribution Splitting Application Form.

Read our fact sheet to find out more.

You may be able to claim a tax deduction for any personal super contributions you make throughout the year.

This is designed to help boost the retirement savings of low or middle-income earners.

Based on your income, the government could make a super contribution up to a maximum of $500 per financial year. When you lodge your tax return, the ATO will work out if you're eligible and, provided you’ve given your Tax File Number to us, automatically pay it to your super account.

If you earn $37,000 or less a year, you may be eligible to receive a LISTO payment directly into your super account, provided you’ve given your Tax File Number to us.

The maximum payment you can receive for a financial year is $500, and the minimum is $10.

If you have a Defined Benefit super account, our fact sheet has some useful information on how to contribute extra, and the contribution limits that apply, especially if you are salary sacrificing additional amounts to your super.

This one takes a little more time.

  1. First, make your after-tax contribution via BPAY: The biller code is 646596 and the reference number is your Customer Reference Number.
  2. Next, complete the ATO form Notice of intent to claim or vary a deduction for personal super contributions (NAT 71121).

    Send this form to us either by the day you lodge your tax return for the year in which you made the contributions, or at the end of the income year following the one in which you made the contributions.

  3. Finally, while we process this form (which takes about 30 business days), email us to confirm:
    • your member number and full name
    • that you have made an after-tax contribution (including the amount that you would like to claim as tax-deductible and the date you transferred the funds)
    • that you will send/have sent the ATO form to us.

We’ll let you know once we receive a valid notice from you, because you’ll need this acknowledgment before you claim the deduction on your tax return.

In our words

"Life happens. As much as we try to have all parts of our lives under control, it’s natural to let some things slide. And you may be tempted to set-and-forget super, but making extra contributions is a great way to boost your retirement nest egg and pay less tax at the same time."

Emma Barrett
Director, Member Services

Easy ways to combine


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it online.

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Call us on 1800 555 667 or request a call back.

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