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Putting your money into the super system is one of the most tax effective ways of investing.

So it’s important to think about making additional payments to your super account.

A few dollars today can mean a lot more when you’re ready to take that holiday you’ve dreamed of in retirement.

Watch this short video to learn how you can boost your super:

Ways to grow your super

Salary sacrifice. Give your super a regular boost.

How it works

If you earn between $135,000 and $190,000 a year, you pay 37% income tax. But your super fund pays tax at a special rate of only 15%, so by sacrificing income for additional super contributions you have more money working for you without you doing anything extra. Even if you earn less than $135,000, you can still grow your super faster.

Start early to unlock the beauty of interest

Super grows because over time you earn interest on interest. By starting early, you’ll be making the most of the opportunities to grow your super, and will thank yourself down the track.

How to set up salary sacrifice?

Qantas employees can set up salary sacrificing by completing an online form on The Terminal. Before filling out the form, make sure you know your pay group – this can be found on your payslip. If you have difficulty accessing or filling in the form, please speak to People Services on 1300 303 411.

If your device is connected to the Qantas network:

If the device you’re on is not conntected to the Qantas network (eg. using mobile data or on your home network) please visit the ‘Payroll Forms’ page on The Terminal and fill out the ‘Superannuation Contribution Authority Form’.

Step by step guides to topping up your super through payroll

This guide is for members in Gateway and Divisions 3A, 5, 6, 7 or 10
This guide is for members in Divisions 1, 2, 3, 4, 12 or 15

Got two jobs? You don't need two super accounts.

If you’re a Qantas employee and you have a second job, you can now have your superannuation from your employer paid directly into your Qantas Super account. Get the confidence of one super account and save on fees.

It’s easy, simply:

  1. Fill out your details in this form (best on desktop/laptop)
  2. Print the form and sign (section 5)
  3. Give the signed form to your other employer to process through their payroll

The last page of the form is a letter of compliance your employer may need to process your request.

One-off contributions to super via BPAY

If salary sacrifice is too much of a commitment, you might prefer to make a one off payment to your super account. All you need to do is log into your account and go to the Personal Details page, where you will find your BPAY details.

Don't get caught out by contribution caps

The Government limits the amount of concessional (before tax) and non-concessional contributions (after tax) you can make into super. If you exceed these limits you may need to pay additional tax.

FY2024/25 contributions caps
Contribution typeAnnual limit
Concessional (before tax) contributions$30,000
Non-concessional (after tax) contributions$120,000

The figures above are current for the 2024/2025 income year.

FY2023/24 contributions caps

The caps below applied from FY2021/22 to FY2023/24.

Contribution typeAnnual limit
Concessional (before tax) contributions$27,500
Non-concessional (after tax) contributions$110,000
FY2020/21 contribution caps

The caps below applied from FY2017/18 to FY2020/21.

Contribution typeAnnual limit
Concessional (before tax) contributions$25,000
Non-concessional (after tax) contributions$100,000
Check how much you've contributed

If you make additional contributions to super it’s a good idea to give us a call to make sure you’re not exceeding the Government limits. We can tell you how much you’ve already contributed and how much more you can contribute before hitting the relevant limits.

Types of contributions

  • Concessional (before-tax) contributions

    The contributions your employer makes and any personal contributions made from before-tax salary. There are specific rules for your division about concessional contributions. To make things easier for you, we’ve created a fact sheet on contributing to super for your division that explains these rules.

    You can make concessional contributions by setting up a salary sacrifice with your employer. If you’re a Qantas employee, all you need to do is fill in this Terminal form.

    Remember, the Government sets limits on how much you contribute to super. Call us if you’d like to check what limits apply to you and how close you are to reaching those limits.

  • Non-concessional (after-tax) contributions

    These are contributions made from after-tax salary where a tax deduction is not claimed, such as personal and spouse contributions. You or your spouse can make contributions from after-tax monies.

    You can make non-concessional contributions as a regular salary sacrifice with your employer or via BPAY as a one-off contribution. Log into your account to get your BPAY biller code and reference number.

    Remember, the Government sets limits on how much you contribute to super. Call us if you’d like to check what limits apply to you and how close you are to reaching those limits.

  • Compulsory employer contributions (super guarantee)

    If you are eligible to receive Superannuation Guarantee payments, your compulsory employer contributions must be at least 11.5% of your ordinary earnings, up to the maximum contribution base, and are concessional (before tax) contributions.

  • Government co-contribution

    The Government has a scheme to help people on low to middle incomes save for their retirement. If you earn less than $60,4001 in the 2024/2025 financial year and you make a non-concessional (after-tax) contribution to your super, you might be eligible to receive a co-contribution from the Government of up to $500, which is paid into your super account.

    1 Total income is your assessable income plus reportable fringe benefits and reportable employer super contributions.

  • Low income super tax offset

    If you have a taxable income up to $37,000 you will receive a refund of the tax paid on your concessional (before tax) contributions, up to a cap of $500.

    The tax office determines whether you’re eligble for the offset. If you are eligble the offset will be paid automatically into your super account – you don’t need to do anything.

  • Voluntary contributions

    Voluntary contributions are those you choose to contribute to your super, on top of the contributions your employer must make (see compulsory employer contributions). You can make voluntary contributions from either your before-tax salary (called concessional contributions) or your after-tax salary (called non-concessional contributions).

    Remember, the Government sets limits on how much you contribute to your super, with different limits applying depending on the type of contribution you make. Call us if you’d like to check what limits apply to you and how close you are to reaching those limits.

We're here to help

If you want to learn more or need help with making a decision about your super, you can get simple advice over the phone or face to face. It’s included as a part of your membership so there’s no extra cost.

Got a question?