Top up my super

How to make additional contributions to your super account.

There are limits to the amount that you can contribute to super

If you contribute too much to super you may incur additional tax when contributions exceed your concessional contributions cap and/or non-concessional contributions cap. Please be aware it's your responsibility to ensure contributions to super are within your contributions caps as we cannot monitor your overall position. 

Refer to the ATO website for further details on contributions caps.

Claiming a tax deduction for your contribution

If you will be claiming a tax deduction for additional contributions, you need to fill in and submit a 'Personal Tax Deduction Notice'.

For BT Super for Life and BT Super members:

Please use the relevant form on the Documents and downloads page.

For BT SMSF, BT Super Invest and BT Panorama Super:

Please use the form on the ATO website.

How to make a payment

If you are unsure which type of account you have, or to find your account name and number, you can check your latest statement, your welcome pack, or sign in to your account online.

BT Super for Life

You or your employer can make additional payments to your BT Super for Life account by:

  • Online transfer from a linked bank account
  • Online transfer from another account
  • BPAY.

Online transfer from a linked bank account

If you're making a voluntary contribution from your linked bank account, you can simply sign in to your online banking and transfer funds into your BT Super for Life account.

You will be asked to confirm the transfer, as you will not be able to transfer it back out unless eligible to rollout of your super fund.

Online transfer from another account

1. Sign in to your online banking

2. Select the option to make a payment to another account

3. Enter the following details:

  • Account Name: <Super for Life Account Name>

  • BSB: 262-410

  • Account number: <Super for Life Account Number>

  • EFT Description: enter the 2 letter code for the relevant contribution type from the list below:

    MV: Member Voluntary (after tax)
    SG: Superannuation Guarantee
    SP: Spouse Contributions
    SS: Salary Sacrifice
    EA: Employer Additional

IMPORTANT NOTE: Please ensure that the first 2 characters entered into the Description field matches one of the above contribution codes. If no Description is entered, or if the first 2 characters of the Description does not match one of these contribution codes, the contribution will be categorised as a Superannuation Guarantee (SG) contribution and contributions tax will be applied.

For example, if your contribution is intended to be a Member Voluntary (MV) contribution, you must start each Description field provided in Internet Banking with MV.

Please note we are unable to split electronic contributions across multiple contribution types. If more than one contribution code is used in the Description, the entire contribution will be allocated to the contribution type that matches the code in the first 2 characters of the Description field (or categorised as SG if no valid code is entered in the first 2 characters). To prevent misallocation, please submit a separate transaction for each contribution type you wish to make and enter the relevant contribution code in the first 2 characters of the Description field.

BPAY

To make a payment to your BT Super for Life account with BPAY, you will need a Biller code and Reference.

  • Reference: <Super for Life account number>

  • Biller code: enter the relevant code for the contribution type:

Super Guarantee Contribution: 31864

Salary Sacrifice Contribution: 31880

Employer Additional Contribution: 31872

Member Contribution: 31898

Spouse Contribution: 31906

BT Super

You can make additional payments to your BT Super account by:

  • Online transfer from a linked bank account
  • Online transfer from another account
  • BPAY.

Online transfer from a linked bank account

If you're making a voluntary contribution from your linked bank account, you can simply sign in to your online banking and transfer funds into your BT Super account.

You will be asked to confirm the transfer, as you will not be able to transfer it back out unless eligible to rollout of your super fund.

Online transfer from another account

1. Sign in to your online banking

2. Select the option to make a payment to another account

3. Enter the following details:

  • Account Name: your BT Super Account Name

  • BSB: 262-410

  • Account number: your BT Super Member Number

  • EFT Description: enter the 2 letter code for the relevant contribution type from the list below:

    MV: Member Voluntary (after tax)
    SP: Spouse Contributions

IMPORTANT NOTE: Please ensure that the first 2 characters entered into the Description field matches one of the above contribution codes. If no Description is entered, or if the first 2 characters of the Description does not match one of these contribution codes, the contribution will be categorised as a Member Voluntary (MV) contribution.

Please note we are unable to split electronic contributions across multiple contribution types. If more than one contribution code is used in the Description, the entire contribution will be allocated to the contribution type that matches the code in the first 2 characters of the Description field (or categorised as MV if no valid code is entered in the first 2 characters). To prevent misallocation, please submit a separate transaction for each contribution type you wish to make and enter the relevant contribution code in the first 2 characters of the Description field.

BPAY

To make a payment to your BT Super account with BPAY, you will need a Biller code and Reference.

  • Reference: your BT Super Member Number

  • Biller code: enter the relevant code for the contribution type:

    Member Contribution: 31898

    Spouse Contribution: 31906

Super Guarantee Contribution: 31864

Salary Sacrifice Contribution: 31880

Employer Additional Contribution: 31872

BT SMSF

You can make additional payments to your BT SMSF account by:

  • Online transfer from another account
  • BPAY
  • Cheque.

Online transfer from another account

Deposits can be initiated from external bank accounts.

BSB:  262-786
Account: your BT SMSF account number

BPAY

To make a payment to your BT SMSF account with BPAY, you will need to enter the following Biller code and Reference.

Biller code: 220186
Reference: your BT SMSF account number

Cheque

Cheques should be made out to:
BT CMA <Account name and account number>

Mailing address:
Panorama
GPO Box 2861
Adelaide SA 5001

BT Super Invest

You can make additional payments to your BT Super Invest account by:

  • Online transfer from another account
  • BPAY
  • Cheque.

Online transfer from another account

Deposits can be initiated from external bank accounts.

BSB:  262-750
Account: your BT Super Invest account number

When making Direct Credit contributions to BT Super Invest, the following references (in bold) will need to be included by the person making the contribution to ensure the reference is classified correctly. 

Super Guarantee (SG): Employer

Employer voluntary: Employer voluntary

Salary sacrifice: Salary sacrifice

Personal contribution: Personal

Spouse contribution: Spouse

Personal Injury contribution: Personal injury

CGT contribution – Retirement Exemption: CGT Retirement

CGT contribution – 15 Year Exemption: CGT 15 Year

Superannuation rollover: Rollover

Downsizer contribution^: Downsizer

^ You must notify us that the contribution is a Downsizer contribution either before or at the time of making the contribution by providing a completed ‘Downsizer contribution into superannuation form’ available from ato.gov.au or by logging in to your account at panoramainvestor.com.au and visiting the document library.

BPAY

To make a payment to your BT Super Invest account with BPAY, you will need to enter a Reference and Biller code.

  • Reference: your BT Super Invest account number

  • Biller code: enter the relevant code to let us know if you are making a Personal or Spouse contribution.

Personal contribution: 260489

Spouse contribution: 260471

Cheque

Cheques should be made out to:
BT Super Invest <Account name and account number>

Mailing address:
BT Super Invest
GPO Box 2861
Adelaide SA 5001

BT CMA Saver

You can make additional payments to your BT CMA Saver account by:

  • Online transfer from another account
  • BPAY
  • Cheque.

Online transfer from another account

Deposits can be initiated from external bank accounts.

BSB:  262-786
Account: your BT CMA Saver account number

BPAY

To make a payment to your BT CMA Saver account with BPAY, you will need to enter the following Biller code and Reference.

Biller code: 220186
Reference: your BT CMA Saver account number

Cheque

Cheques can be posted to:
GPO Box 2861 Adelaide SA 5001

BT Panorama Super (non-advised)

You can make additional payments to your BT Panorama Super (non-advised) account by:

  • Online transfer from another account
  • BPAY
  • Cheque.

Online transfer from another account

Deposits can be initiated from external bank accounts.

BSB: 262-750
Account: your BT Panorama Super account number

When making Direct Credit contributions to BT Panorama Super, the following references (in bold) will need to be included by the person making the contribution to ensure the reference is classified correctly. 

Super Guarantee (SG): Employer

Employer voluntary: Employer voluntary

Salary sacrifice: Salary sacrifice

Personal contribution: Personal

Spouse contribution: Spouse

Personal Injury contribution: Personal injury

CGT contribution – Retirement Exemption: CGT Retirement

CGT contribution – 15 Year Exemption: CGT 15 Year

Superannuation rollover: Rollover

Downsizer contribution^: Downsizer

^ You must notify us that the contribution is a Downsizer contribution either before or at the time of making the contribution by providing a completed ‘Downsizer contribution into superannuation form’ available from ato.gov.au or by logging in to your account at panoramainvestor.com.au and visiting the document library.

BPAY

To make a payment with BPAY, you will need to enter a Reference and Biller code.

  • Reference: your account number

  • Biller code: enter the relevant code below to let us know if you are making a Personal or Spouse contribution.

Personal contribution: 260489

Spouse contribution: 260471

Cheque

Cheques should be made out to:
BT Panorama Super <Account name and account number>

Mailing address:
BT Super Invest
GPO Box 2861
Adelaide SA 5001

We explain the range of strategies you can use to help grow your super in our boost your super guide. Try just one or embrace them all to boost your super savings over time.

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Note: Legislative changes may place restrictions on contributions by employers. Visit the ATO website at ato.gov.au for more information on ways employers can make contributions, and the data and payment standards.

®BPAY is registered to BPAY Pty Limited ABN 69 079 137 518.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, is the trustee and issuer of interests in BT Super for Life and BT Super which are a part of Retirement Wrap ABN 39 827 542 991.

AIA Australia Limited ABN 79 004 837 861, AFSL No. 230043 is the issuer of insurance cover offered through BT Super for Life and BT Super.

* There is no charge for accepting any rollovers, however before requesting the rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits.

Superannuation is a long-term investment. The Government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the Government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website.