1. Home
  2. Help & Support
  3. Tips & How do I...?
  4. How do I...?
  5. HOW DO I…make a spouse contribution?

HOW DO I…make a spouse contribution?

 

Things to know before you start:

  • The contributing spouse may be eligible for a tax offset (rebate) for these contributions – eligibility criteria applies
  • There are caps, or limits, on the amount that can be contributed to super without incurring additional tax. After-tax contributions are included as non-concessional contributions for the purposes of the caps. It is your responsibility to ensure that you do not breach the caps if you want to avoid paying excess tax.
  • Tax does not generally apply to these contributions if made within the contributions caps.
  • In some cases, there may be restrictions on when or how super contributions can be made.

Getting started:

  • Spouse contribution by BPAY

      • The contributing spouse should contact their bank or financial institution and use the following details to make a payment via BPAY.

      • Biller code: 697789 (only for spouse contributions)
      • Reference number: 3 + the receiving spouse’s Accumulate Plus account number (e.g. if the account number is 0250 0123 4567 then the BPAY reference number would be: 3025001234567)

      *BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518

  • Spouse contribution by direct credit

      • The contributing spouse should contact their bank or financial institution and use the following details to make a payment via direct credit online:

      • BSB: 064-785
      • Account number: Last 9 digits of the receiving spouse’s Accumulate Plus account number (e.g. if your account number is 0250 0123 4567 then your Direct Credit account number would be: 001234567)
      • Reference: SP (only for spouse contributions) – if you don’t include this reference, the contribution will be allocated as an employer SG contribution, which may have significant tax implications.

      Note: You cannot make a direct credit super contribution from a bank branch.

  • Spouse contribution by cheque

      • Complete our Additional investment form and return it with a cheque payable to ‘Commonwealth Bank Group Super, [name]’ where ‘name’ is the full name that is shown on the receiving spouse’s Accumulate Plus account.

More info: