Year end help and support

Information on how to make a year end contribution to your BT SMSF or BT Super Invest account, including cut-off times and other materials.

Shopfront and last-minute deposits

Due to the recent health concerns surrounding COVID-19, we will not be accepting last minute contributions via a Westpac Group branch and other shop fronts. All contributions and deposits must be made using other methods which are available.

Please see the below the timeframes for payments to ensure your contributions are received in the 2019/2020 Financial year.

Reminder: before submitting any additional contributions for the financial year, you should make sure you are aware of any applicable criteria and/or limits. To find out more information, visit the ATO’s website.

Cut-off times

For transactions to be reflected within the 2020 year end statements, they must be valid and placed before the cut-off times shown in the tables on this page. The cut-off times are Australian Eastern Standard Time (AEST) and will therefore need to be adjusted if you are operating in a different time zone. See more details in Contribution Methods.

Transaction

Action required

Cut-off time and date

BPAY® contributions

Payment submitted from the contributing bank account

We must receive the payment on Tuesday 30 June by 5pm.

We recommend submitting before 5pm Thursday 25 June as this is subject to the issuing bank’s processing time.

Direct credit
contributions 

Payment submitted using direct credit to the cash account

We must receive the payment on Tuesday 30 June by 5pm.

We recommend submitting before 5pm Thursday 25 June as this is subject to the issuing bank’s processing time.

Cheque contributions

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

We must receive the cheque by Friday 26 June by 5pm.
 

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

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.

Contribution methods

BPAY

BT SMSF

You can make BPAY contributions to your BT SMSF account.

Biller Codes: 220186
Reference Number: your account number
 

BT Super Invest

You can make BPAY contributions to your BT Super Invest account. These can be categorised as either Personal or Spouse contributions.

Biller codes:

Type

Biller code

Personal contributions

260489

Spouse contributions

260471

Reference Number: your account number

Some fi­nan­cial in­sti­tu­tions may take longer to process your clien­t’s BPAY trans­ac­tion. Clients should check with their fi­nan­cial in­sti­tu­tion to con­firm their cut-off time and daily trans­ac­tion limit. In ad­di­tion Daily BPAY trans­fer lim­its are en­forced by all fi­nan­cial in­sti­tu­tions. Please con­tact the fi­nan­cial in­sti­tu­tion for more in­for­ma­tion as we can’t be re­spon­si­ble for any de­lays by BPAY or a fi­nan­cial in­sti­tu­tion, in pro­cess­ing the trans­ac­tion.

Direct Credit

BT SMSF

Deposits can be initiated from external bank accounts.

BSB:  262 - 786
Acc: your account number


BT Super Invest

Deposits can be initiated from external bank accounts.

BSB:  262 - 750
Acc: your account number

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

Contribution type

Reference

Super Guarantee

Employer

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 (SMSF only)

Rollover

Downsizer Contribution

Downsizer

Cheque contributions

Cheques should be made out to:

BT SMSF

BT CMA <Account name and account number>
Mailing address:
Panorama
GPO Box 2861
Adelaide SA 5001

BT Super Invest

BT Super Invest <Account name and account Number>
Mailing address:
BT Super Invest
GPO Box 2861
Adelaide SA 5001

Guides

Tax Guide, Super Statement Guide and Investment Statement Guide will be available soon.

General disclaimer

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.

Before requesting a rollover of your superannuation benefits, you should consider where your future employer contributions will be paid. If you wish to change the fund into which your employer contributions are being paid, you will need to contact your employer. You should also 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). You may not receive the same type or level of benefits after the rollover and may lose any insurance entitlements you have in other fund(s).

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at June 2020. The information provided is general in nature and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness and read the disclosure documents before making any decision. All examples and images are for illustrative purposes only. Past performance is not a reliable indicator of future performance.

BT Super Invest

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) administers BT Super Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of BT Super Invest, which is part of Retirement Wrap ABN 39 827 542 991. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Together, these products are referred to as the Panorama products. 

A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 783 160 or by visiting www.bt.com.au. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. 

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits or Westpac securities acquired through the Panorama products or underlying bank accounts held at Westpac through their Panorama super cash account, an investment in, or acquired using, the Panorama products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the Panorama products.

BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are subsidiaries of Westpac. Westpac does not guarantee the insurance.

BT SMSF

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates Panorama Investments. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA), BT Cash Management Account Saver (BT CMA Saver) and Westpac term deposits. These products are referred to as the Panorama products.

A Product Disclosure Statement (PDS) or other disclosure documents for the Panorama products can be obtained by contacting BT on 1300 554 267 or by visiting www.bt.com.au/​smsf. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. In addition, BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available by contacting BTPS.

BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, the BT CMA, or the BT CMA Saver acquired through the Panorama operating system, an investment acquired using the Panorama operating system is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments acquired through the Panorama operating system.

Conditions, fees and charges apply for BT CMA, BT CMA Saver and Westpac term deposits issued by Westpac. Westpac may change these or introduce new ones in the future. For BT CMA Saver and term deposits issued by Westpac you may be entitled to payment under the Australian Government’s Financial Claims Scheme in the event that Westpac becomes insolvent. Payments under the Financial Claims Scheme are subject to a limit for each depositor for eligible deposits held in Westpac. Information about the Financial Claims Scheme can be obtained from www.fcs.gov.au BT CMA, BT CMA Saver and Westpac term deposits are available only in Australia.