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    1. Help
    Help

    Top up my account

    How to make additional contributions to your Panorama Investments or Panorama Super account.
    Please note that the cutoff for receiving contributions is Friday 27 June 2025 at 5pm Australian Eastern Standard Time (AEST).

    See also:

    • Statements and dates

    • End of financial year

    Contribution limits and claiming a tax deduction

    limits on contributions

    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 on contributions

    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 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.

    Panorama Investments

    You can make additional payments to your Panorama Investment account by:

    • Online transfer from another account
    • BPAY
    • Direct Debit

    Online transfer from another account

    Deposits can be initiated from external bank accounts.

    BSB:  262-786
    Account: your Panorama Investment account number

    BPAY

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

    Biller code: 220186
    Reference: your Panorama Investment account number

    Direct Debit

    To ensure any contributions via direct debit are received before the end of the financial year, make sure your nominated bank account is linked and verified ahead of time. This must be completed by logging into BT Panorama. It will take approximately two business days to verify a bank account once it is linked, and approximately three business days for a direct debit deposit to settle. You can view more information on how to link and verify a new bank account. 

    BT Super Invest

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

    • Online transfer from another account
    • BPAY

    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

    BT CMA Saver

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

    • Online transfer from another account
    • BPAY
    • Direct Debit

    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

    Direct Debit

    To ensure any contributions via direct debit are received before the end of the financial year, make sure your nominated bank account is linked and verified ahead of time. This must be completed by logging into BT Panorama. It will take approximately two business days to verify a bank account once it is linked, and approximately three business days for a direct debit deposit to settle. You can view more information on how to link and verify a new bank account. 

    BT Panorama Super

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

    • Online transfer from another account
    • BPAY
    • Direct Debit

    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

    Direct Debit

    To ensure any contributions via direct debit are received before the end of the financial year, make sure your nominated bank account is linked and verified ahead of time. This must be completed by logging into BT Panorama. It will take approximately two business days to verify a bank account once it is linked, and approximately three business days for a direct debit deposit to settle. You can view more information on how to link and verify a new bank account. 

    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.

    * 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.

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