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.
You or your employer can make additional payments to your BT Super for Life account by:
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.
1. Sign in to your online banking
2. Select the option to make a payment to another account
3. Enter the following details:
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.
To make a payment to your BT Super for Life account with BPAY, you will need a Biller code and Reference.
Super Guarantee Contribution: 31864
Salary Sacrifice Contribution: 31880
Employer Additional Contribution: 31872
Member Contribution: 31898
Spouse Contribution: 31906
You can make additional payments to your BT Super account by:
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.
1. Sign in to your online banking
2. Select the option to make a payment to another account
3. Enter the following details:
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.
To make a payment to your BT Super account with BPAY, you will need a Biller code and Reference.
Super Guarantee Contribution: 31864
Salary Sacrifice Contribution: 31880
Employer Additional Contribution: 31872
You can make additional payments to your BT SMSF account by:
Deposits can be initiated from external bank accounts.
BSB: 262-786
Account: your BT SMSF account number
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
Cheques should be made out to:
BT CMA <Account name and account number>
Mailing address:
Panorama
GPO Box 2861
Adelaide SA 5001
You can make additional payments to your BT Super Invest account by:
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.
To make a payment to your BT Super Invest account with BPAY, you will need to enter a Reference and Biller code.
Personal contribution: 260489
Spouse contribution: 260471
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
You can make additional payments to your BT CMA Saver account by:
Deposits can be initiated from external bank accounts.
BSB: 262-786
Account: your BT CMA Saver account number
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
Cheques can be posted to:
GPO Box 2861 Adelaide SA 5001
You can make additional payments to your BT Panorama Super (non-advised) account by:
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.
To make a payment with BPAY, you will need to enter a Reference and Biller code.
Personal contribution: 260489
Spouse contribution: 260471
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.
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.