spouse contributions

Did you know that your spouse can top up your retirement savings and receive a tax offset for themselves? 

What is a spouse contribution?  

A spouse contribution involves your spouse making a direct contribution into your super account. Spouse Contributions are a type of non-concessional contribution (NCC) and count towards the receiving spouse’s NCC cap of $110,000 each financial year. Contributions for a spouse under the age of 65 can be brought forward to a limit of $330,000 over three financial years.  

What’s in it for me?  

Money is added to your account which helps to boost your super and set you on your way to living your best life.  

What’s in it for my spouse?  

Your spouse may receive a tax offset of up to $540, depending on 

  • If you earn less than $37,000, your spouse may receive an 18% tax offset for contributions up to $3,000. 
  • If you earn between $37,000 and $40,000, your spouse may receive a partial tax offset if the contribution is under $3,000. 

How do I make this happen?  

1. Log into Member Online. 

2. Select the 'Make a contribution' button to view your personal details for BPAY or EFT.  

3. Get your spouse to make a personal contribution from their after-tax money into your account using the ‘Spouse and Child Contributions’ BPAY details. Your spouse will be able to claim the tax offset when they complete their tax return. 

Refer to our fact sheet for more information on spouse contribution eligibility.