Timing of contributions

We recommend that you BPAY or electronically transfer your money before 20 June to allow time for bank transfers and processing into your account prior to 30 June. This seeks to ensure your contributions are reported to the ATO and allocated to your account in the same tax year (i.e. prior to 1 July). 

If you’re a contributing customer of ADF Super or PSSap, there are four ways you can make after-tax payments:

• BPAY

  BPAY is good for one-off payments, also known as lump sums, or adding some money every now and then.

  To make a BPAY payment, log into CSC Navigator, click on ‘My account’ and then select ‘Contributions’. Your BPAY biller code and Customer Reference Number (CRN) will be listed on screen. Once you’ve obtained your CRN, make a BPAY payment by logging into your personal online banking account. 

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  Note: BPAY can't be used for Downsizer contributions

  How to make a downsizer contribution

• Arrangement with your employer

  You can set up regular automatic contributions from your after-tax salary to your super through your employer’s payroll department.

• Micro contributions

  Options like cashback and round ups can turn your spare change into super contributions, boosting your retirement savings with little impact on your everyday spending.

  1. Cashback

  Earn cash back into your super when you shop online. When you purchase from partner retailers, a commission is generated, resulting in cash being deposited directly into your super. For example, if you buy a new top for $50 with a 5% cashback offer, $2.50 will be added to your super.

  2. Round ups

  Automatically round your spending to the nearest dollar and have the difference deposited into your super. Your loose change can lead to super returns for your future. For example, if you buy a coffee for $4.50, rounding up to $5 means $0.50 will be added to your super.

  Boost Your Super can help you make free and easy contributions to your super while you shop, offering cashback with over 750 partner stores and round ups.

  Learn about our partnership with Boost Your Super

• Cheque or money order

  Send your payment to your super fund using our address details on the Contact us page.

  Please remember to also provide your full name and membership number.

Claiming a tax deduction

If you’ve made an after-tax contribution to your accumulation account, you may be able to claim a tax deduction on your next income tax return.

Eligible deductions

You can claim a tax deduction for after-tax contributions made into your PSSap or ADF Super account. These contributions must still be in your account, meaning you haven’t rolled them out or used them to open a retirement income account.

Where you have chosen to rollover or withdraw a part of your super account, special rules apply and a valid notice of intent cannot be given for the entire contribution.

Non-eligible deductions

You can’t claim a tax deduction for:

• super you transfer from one fund to another (including an overseas retirement fund), or
• super contributions you transfer to start a retirement income account.

How to apply for a tax deduction

Once you make an after-tax contribution, you need to send us a Notice of Intent (NOI) form to let us know that you will claim a tax deduction. You have until the date you submit your tax return to send in your NOI, or 12 months from the end of the financial year that the contributions were received, whichever comes first.

Please complete the Notice of Intent (NOI) form to let us know that you will claim a tax deduction.

Download the Notice of Intent form

Once we’ve received your NOI, we’ll process the request and deduct 15% contributions tax on the amount listed in your NOI. This will be listed as ‘Income Tax Expense’ on your annual statement. The contribution tax is deducted on the effective date when your NOI request is processed.

Once you hear back from us that your NOI was received and processed, we’ll provide you with an ‘Acknowledgement of Notice of Intent to claim a tax deduction’ You can then claim a tax deduction on your income tax return.

Please email your completed form to:

• ADF Super: formsandapplications@adfsuper.gov.au 
• PSSap: formsandapplications@pssap.com.au

If you’re a contributing customer of CSS¹, you can make after-tax contributions by joining PSSap as an ancillary customer.

Joining PSSap won’t change your final benefit from CSS in any way; it means you’ll have more flexibility in how you save for retirement.

Learn more about PSSap Ancillary

Increasing your CSS fortnightly contributions and supplementary CSS contributions

You can choose to contribute 5% basic contributions to CSS, and above that you can make regular or one-off supplementary contributions. If your basic contribution rate is 5%, we can accept supplementary contributions either through your pay or via BPAY. However, if you elect a 0% basic contribution rate, you must make your supplementary contributions via BPAY.

We recommend that your final supplementary contributions are made at least 3–4 weeks prior to your exit, otherwise they may not be applied to your account.

¹ Have been employed by an eligible employer for at least 12 continuous months; and either are a current Contributing or Preserved member of PSS/CSS, or were a contributing member of PSS/CSS at anytime on or after 7 March 2021.

Next steps

Log in to CSC Navigator to find your BPAY details and start contributing today.

Before-tax contributions

Before-tax contributions (also called salary sacrifice or concessional contributions) are made from your pre-tax income.

• May reduce your taxable income
• Are taxed at 15% going into super (instead of your marginal rate)
• Count towards your annual concessional cap

Check with your payroll team or financial adviser if you're considering salary sacrifice.

DFRDB and MilitarySuper

If you’re a contributing customer of DFRDB or MilitarySuper, you can add money to MilitarySuper before tax. As before-tax contributions are made above your regular contributions, you’ll need to contact your pay unit for more information.

Spouse contributions

A simple way for your partner to support your super. These are after-tax contributions they can add directly into your account.

• Your partner doesn’t need to be in the same fund
• They can contribute using BPAY or a voluntary contributions form
• Depending on your income, they may even be eligible for a tax offset of up to $540. To find out more, visit the ATO website

ADF Super and PSSap

Your spouse can add money via BPAY through CSC Navigator or by completing a Voluntary Contributions form.

If your spouse wants to add money via BPAY, you will need to log into CSC Navigator, click on ‘contributions’ and follow the prompts to generate a BPAY and Customer Reference Number (CRN). Once you have a CRN, your spouse can make a BPAY payment through their bank or financial institution.