Voluntary Contributions

Simply add on top of what your employer has already paid

Making that voluntary super contribution now, could mean more down the track. Plus you may be able to enjoy some tax deductions.

BPAY®

1. Log in to the Rest App or MemberAccess to find the BPAY details unique to your personal account.

Rest App: Go to Menu > Make a contribution > BPAY
MemberAccess: Go to Super > Make a contribution > Contribute via BPAY

2. Make a one-off or regular payments from your bank account. Make sure you use the BPAY details associated with member contributions.

EOFY cut-off date: For new Direct Debit requests, Rest’s cut off date is 3pm AEST on 9 June**.

Go to Rest App MemberAccess

Direct Debit

Organise one-off or regular payments from your bank account or financial institution through the Rest App or organise regular payments by completing and sending the Direct Debit form.

Rest App: Go to Menu > Make a contribution > Direct Debit
Direct debit form: Download and email your completed form to Rest

Pay via Rest App

Your first home, made faster

The Government’s First Home Super Saver (FHSS) scheme is designed to help you save a deposit for your first home faster. You can add to your super by making your own extra voluntary contributions on top of what your employer pays. You can make before-tax contributions like Salary Sacrifice, or personal after-tax contributions.

Contribution limits apply.

Find out more

Want some tax back?

You may be able to claim a tax deduction for your after-tax contributions that you've made during the financial year.

If you’d like to claim a deduction on your personal contributions, you’ll need to complete and submit the Notice of intent to claim form in MemberAccess. Login to MemberAccess and click on 'Super’ then ‘Claim a tax deduction’.

This needs to happen by whichever of the following dates occurs first:

The day you lodge your tax return for the income year in which the personal contribution was made; or
Before the end of the income year following the year in which the contribution were made
Before you roll over or withdraw the contribution, and while the money is still held in your account.

The after-tax contributions that you claim as a deduction will count towards your concessional contribution cap and they will be subject to contributions tax.

If you need to vary a deduction, you can find the step-by-step instructions here.

For further information about eligibility or claiming a tax deduction, visit the Australian Taxation Office (ATO) website.

Contributions caps

There are limits or ‘caps’ on the amount of after-tax contributions you can make each financial year. The annual cap for after-tax contributions is $130,000 for 2026-27. However, if your total super balance is over $2 million on 30 June 2026, you won’t be able to make any after-tax contributions. Visit Rest's factsheet page or visit the Australian Taxation Office’s (ATO) website for more information on caps.

If you’re under age 75 and your total super balance on 30 June 2026 is less than $1.84 million, you may be able to bring forward up to three years' worth of contributions. The amount you can bring forward will depend on your total super balance and when you triggered the bring-forward rule. For more information on the bring-forward rule, visit the Australian Taxation Office's (ATO) website.

Exceeding the caps

Note: If you’re aged between 67 and 74, you’ll need to meet the work test to claim a personal superannuation contribution deduction. Visit the Australian Taxation Office's website to learn more about the work test.

*Rest Digital Advice (Contributions Optimiser, Retirement Health Check and Investment Choice Solution) is provided by MUFG Retire360 Pty Limited ABN 36 105 811 836 AFSL 258145 and is available at no additional cost for Rest members. Rest’s ‘Super Health Check’ solution is provided by Rest at no additional cost to Rest members.