We’re here to help. Below are a range of frequently asked questions, ordered into three main sections for your convenience:

Salary Packaging

 Salary packaging

  • Can I change my salary packaging once it is set up?

    Yes, you can change your salary packaging allocation at any time once your account has been set up. Complete the changes to salary packaging form or call us on 1300 133 697 anytime you want to make a change.

  • How will my pay change if I salary package?

    Each pay cycle, your employer will deduct a nominated amount from your salary before tax is applied and then send that money to us. We then use this money to pay for the items you have selected, such as your mortgage, rent or daily expenses. It’s still your money and you can still spend it on the things you need, but it’s taken out of your pay before your tax is calculated. The remainder of your salary is then taxed and paid to you as normal. As your salary package amount is taken before tax is applied, you are left with more to spend each pay cycle.



    The example below is based on a charity employee earning $50,000 and salary packaging $15,900 a year.

    Gross wages $1,923 per fortnight
    Pre-tax Salary packaging ($15,900/26) – $611.54
    New gross (before tax) $1,312
    Less tax (Includes 2% Medicare levy) – $142
    Net wages $1,169
    Money deducted for salary packaging + $611.54
    Total pay $1,781 per fortnight

    NOTE: Fees and charges have not been included in the above calculations.

    See how much you can save by using our Salary Packaging Calculator.

  • Is there a maximum amount I can salary package?

    Yes. The maximum amount you can contribute from your pre-tax salary depends on the type of employer you work for. This is known as the Fringe Benefits Tax (FBT) limit, cap or threshold. You will pay FBT on any amount over this limit.

    If you work for a qualifying organisation, such as a charity or Public Benevolent Institution (PBI), you can salary package up to $15,900 per year for everyday expenses such as your mortgage or rent, bills, shopping and petrol. If you work for a public or private not-for-profit hospital or the ambulance service, the annual limit is $9,010. As it’s deducted from your pre-tax salary, it significantly reduces your annual tax bill.

  • I work in private education and my employer is classed as a 'rebatable employer.' What does this mean?

    Working for a rebatable employer means that you do pay FBT, but not the full amount. For the 2019 FBT year you will receive a rebate of 47% of the gross FBT payable (up to $30,000). This effectively means you will pay 53% of the gross FBT up to $30,000 and the full amount for anything over this.

  • What happens to my funds if I don't spend them by 31 March?

    Any funds remaining on your card on 31 March will be carried over to the next FBT year. If this happens it will reduce the following year’s allowed threshold. So, in order to get the maximum benefit of salary packaging we encourage you to spend your card balances by 31 March or contact us to discuss other options.

  • What if I don't work full-time?

    It doesn’t matter if you work full-time, part-time or casual, you may still be able to benefit from salary packaging. Due to the Government’s existing tax-free threshold, salary packaging won’t be beneficial to you if you earn less than $18,200. However, if your annual salary is more than the threshold amount and you pay tax, you should be able to benefit from choosing a salary packaging solution.

  • What remote area benefits are available?

    If you live and work in a remote area, you may be entitled to receive benefits that will reduce your taxable income, meaning you pay less tax on your salary.

    Remote area benefits include rent or mortgage interest, fuel, and holiday travel.

    • Rental costs can be included if you’re renting that property under a formal lease arrangement. You can be reimbursed 100% of your rental costs and since only 50% of these costs are applied to your tax-free cap, the effective value of the cap is increased by the same amount.
    • You may be able to package the interest component of home loan repayments that relate to the dwelling you live in as your usual residence.
    • Your electricity or gas expenses can also be packaged when you include rent or a mortgage as a remote area benefit.
    • You may be also be able to package some of your remote area holiday transport expenses (e.g. airfares, accommodation and meals) incurred en route.

    Contact us if you would like more information

  • Will I benefit from salary packaging with my rebatable employer?

    If you work for a rebatable employer then in most instances you will only benefit from salary packaging general living expenses if you earn over $60,000 per year. However, you can benefit from salary packaging a car (also known as a novated lease) and paying for your vehicle and running costs from your pre-tax income, as the savings you make with a novated lease are linked to the value of the car rather than your salary.

    See how much you can save by using the Novated Leasing Calculator.

  • Does AccessPay service all states and territories?

    AccessPay has offices in most capital cities and our client services team covers all states and territories to support you and your staff.

  • What is the difference between pre and post-tax?

    A pre-tax deduction means funds have been taken from your salary before any tax has been applied, thereby lowering your taxable income. A post-tax deduction means funds have been taken from your salary after-tax.

  • What is FBT?

    Fringe Benefits Tax – or FBT – is a tax applied to non-cash benefits, such as salary packaging.  Some charitable organisations are exempt from FBT, while others, like private schools, may incur FBT but are eligible for a rebate.

    The rebate for the 2019 FBT year onwards is 47% of the gross FBT payable, (subject to a cap of $30,000). This effectively means you will pay 53% of the gross FBT up to $30,000 and the full amount for anything over this.

  • How does salary packaging affect my tax return and how does it provide a taxation benefit?

    Salary packaging is a government incentive that allows you to use money that previously would have been paid as tax to pay for the items which you have chosen to salary package. Spending pre-tax dollars from your salary will decrease the stated gross income on your Payment Summary (group certificate).

    In some cases you may incur a Fringe Benefits Tax (FBT) liability, which may show as a reportable Fringe Benefit. The reportable Fringe Benefit may impact on some government payments such as Department of Human Service payments and child support payments. It may also impact on HECS debt repayments where these exist.

    In most cases a benefit will still result from salary packaging. We recommend that you speak to a financial expert for specific advice on how salary packaging will affect you.

  • Does being provided with a company vehicle have an impact on salary packaging?

    If you are provided with a company vehicle, your salary packaging will usually be impacted as the provision of a company vehicle is considered a car fringe benefit and contributes to the annual salary packaging threshold. Your salary packaging arrangements and car fringe benefit value must remain within the applicable annual salary packaging threshold (i.e. $15,900 or $9,010) so you do not incur an FBT liability.

  • Can I salary package car parking?

    If you work for a registered charity, in public education or for a not for profit scientific institution, and your employer offers car parking as a salary packaging benefit, you may be able to salary package the cost of parking for work.

  • How much income can a religious practitioner salary package?

    If your work as a religious practitioner involves pastoral duties, you may be able to salary package up to 100% of your income without being subject to an FBT threshold.

  • What if I have a HECS/HELP debt?

    If you have a HECS/HELP debt, salary packaging is likely to increase your fortnightly HECS/HELP repayment whilst still making a considerable tax saving and increasing your take home pay.

    Download the fact sheet here.

    Use our Salary Packaging calculator to see how much you can save.

  • What happens to my salary packaging card?

    We recommend you use any remaining funds on your salary packaging card before you start using your AccessPay card. Your card will be cancelled at midnight (AEST) on 29 March and any remaining funds will be automatically transferred to your new AccessPay card on 30 March.

Novated Leasing

 Novated leasing

  • What is a novated lease?

    A novated lease is a way to purchase your vehicle through your employer and access savings on income tax and GST.  A portion of your salary is deducted from each pay to cover the finance and running costs of your car.

  • What happens at the end of my lease?

    You have a number of options when your lease expires (see below), and we’ll work with you to identify the best option for you and help you make it happen.

    • If you’re happy with your car and would like to continue getting the tax benefits of salary packaging, you can simply refinance your vehicle for another term.
    • If you’re ready for a change – choose the car you want and salary package another vehicle.
    • If you don’t intend to refinance but want to keep your car, why not consider a consumer loan? We can arrange a free quote for you – just call us on 1300 144 873.
    • If you no longer want to keep your car, but don’t want the hassle of selling it, we will assist via our Vehicle Disposal Program. Call us on 1300 144 873 to find out how.
    • You can choose to pay out the financier using your pool of funds (note, pre-tax funds cannot be used).

    It’s important to note that a novated lease is a fixed term loan with fixed term repayments. Therefore, you cannot make additional repayments pay the lease off sooner.

  • Is the car registered in my name?

    Yes! A novated lease is just like purchasing a vehicle with a bank loan, so your car is registered to you.

  • Do I have to use the vehicle for business purposes?

    No, the vehicle does not need to be used for business purposes. Novated leasing is actually designed specifically for employees to purchase the vehicle of their choice.

  • What if I want to upgrade my car?

    Ideally, you would pay out your lease and then upgrade your car. The payout figure will depend on the remaining balance, and we recommend waiting until well beyond the halfway point before exiting your lease, so the payout is more in line with the market value of your car.

  • How are my payments calculated?

    Your lease payments are calculated by dividing the total cost of your combined individual budgets and your finance cost over the term of your plan. While the finance payments and applicable FBT are fixed, your operating budgets are flexible and can be modified by you at any time.

  • Why are my payments made from my pre- and post-tax salary?

    A novated lease is classed as a fringe benefit, which means you will be liable for Fringe Benefits Tax. For every dollar that you pay post tax, you reduce this tax liability. We calculate this amount first to make sure you have no liability and then we take the rest of your payment from your pre-tax salary.

  • How much can I save?

    You could save thousands on a new car with huge tax savings on the upfront purchase plus, on your ongoing running costs. There are also big savings to made if you choose to lease your existing car. The easiest way to find out how much you can save is, to get an estimate using the Smartleasing calculator >

    The Smartleasing calculator will give you a estimate of your vehicle, plus all the included running costs and show you just how much you could save on your tax.

    Once you’ve got an estimate based on the car you are interested in and your personal circumstances, be sure to request an obligation-free quote, as we’ll secure the very best price.

  • What am I able to claim during my lease, and what can't I claim?

    Claimable Not Claimable
    • Servicing
    • Cleaning
    • Fuel and Oil
    • Registration
    • Insurances
    • Insurance excess payments
    • Repairs to mechanical or internal attachments
    • Rust removal or ‘after purchase’ rust treatments
    • NRMA, RACV, etc. (breakdown assistance) membership
    • Transport to a repair workshop, mechanic or panel shop
    • Extended warranty
    • Lease payments if initially made by the Employee
    • Personalised number plates
    • Customised/European Number Plates
    • Map upgrades for built-in GPS systems


    • Headlight & bonnet protectors, mats, keys
    • Car seat covers
    • Weather shield
    • Stamp Duty on Transfer
    • Windshield
    • Other Parts

    You may already be covered!
    Before any repair work is performed on your vehicle, check policies like Tyre & Rim Insurance or Extended Warranty cover (if you have them) to see if the work required is covered by these policies.

    As a general rule, you can’t package any items that would be a capital improvement on the car. These should be done before the vehicle is delivered and included in the original vehicle cost.

    • Bull and tow bars
    • Stereo systems
    • Fog lights
    • Mag Wheels (unless replacing original damaged wheels)
    • Wheels that are wider than the original wheels for the vehicle
    • Exhaust/Extraction Systems unless replacing similar
    • Rust Proofing/Paint protection on purchase
    • Window Tinting (unless replacing damaged)
    • Mobile Phone Car Kits
    • Cruise Control
    • Rear Parking Sensors
    • Car Alarm
    • Parking Fees
    • Tolls
    • Roof Racks
    • Vehicle Rental (when leased car is off the road)
    • Drivers Licence
    • Storage of Vehicle
    • Driving Courses
    • Transport to new home/work location
    • LPG Conversion
    • Dealer Delivery
    • Tools
    • GPS units
  • Can a novated lease be cheaper than a car loan or cash?

    Yes. By not using your savings or taking out a car loan, you could save up to $12,000 over the life of the lease.

    View the infographic below, to learn more about how novated leasing compares to other forms of finance.

    Is novated leasing cheaper than car loans or cash?

    † Total cost over life, where life represents 5 years. All calculations based on the following assumptions: living in NSW 2000, salary: $70,000 gross p.a., travelling 15,000 kms p.a., lease term: 60 months. Figures quoted include budgets for finance, fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance and re-registration. Novated lease calculations: use Net GST processing method and Employee Contribution Method for FBT purposes; the total cost over life reflects the net effect after tax and includes a Smartleasing admin fee; the Smartleasing buying power discount varies by vehicle and is subject to change; residual value is $9,268.04 including GST at the end of the lease term (the vehicle can be sold or re-leased to payout the residual at end of the lease term). Interest rate quoted for novated lease is 9.85% p.a. vs 10% p.a. for car loan vs. 4.14% p.a. for mortgage loan. Total cost over life for a mortgage loan reflects borrowing the purchase cost of the car against the mortgage and accelerating the payments to offset the change in interest charged and paying this additional amount off over 5 years. Essentially a car loan at 4.14% p.a.
    Vehicle pricing and finance rates are correct as of October 2018 and may be subject to change.
  • What is the purpose of a post-tax deduction?

    Post-tax deductions are made to reduce the taxable value of your vehicle to zero. By doing this, there is no need for you to pay Fringe Benefits Tax (FBT) on your vehicle.

  • What happens to my novated car lease if I leave my current employer?

    The good news is a novated lease agreement is portable, meaning that should you leave your current employer during the term of the lease, there is a good chance you will be able to continue packaging the vehicle with your new employer, provided they offer salary packaging to their staff.

    If your new employer does not offer salary packaging, the lease can continue between you and the financier; however repayments will become your responsibility, and you’ll be unable to claim the associated tax savings.

  • How do I benefit from the GST saving?

    Most organisations can claim GST as a business expense, and many employers will pass this benefit on to their salary-packaging employees by paying the GST incurred on running costs and finance payments. The great news for you is that this is all taken care of as a part of the administration process, so there’s nothing you need to do; Smartleasing does it all for you.

    Ask your Smartleasing consultant if this is a benefit offered by your employer. You’ll also find it noted in the quote you received from Smartleasing; if “(excl GST)” is recorded next to the Running Costs on page one of the quote, your employer will pay the GST for you.

  • Is there a limit on the age of a used car for a novated lease?

    Ideally, the car should be no more than ten years old at the end of the lease period. However, this may vary depending on the type of car you want to purchase and its value.

    If you intend to purchase an older car, speak with a Smartleasing consultant before you start looking to see if the car you want will be eligible for a novated lease.

  • What is "residual value" and how is it calculated?

    The residual value is the amount you agree to pay your financier if you decide to purchase the vehicle outright at the end of your lease period. Alternatively, you can refinance the lease (take out another lease).

    The residual value is set by the Australian Tax Office (as per the IT 28 Guidelines) and implemented by Smartleasing as follows:

               Lease Term           Residual Value (%)
    12 months 65.63%
    24 months 56.25%
    36 months 46.88%
    48 months 37.50%
    60 months 28.13%

Salary Packaging and Meal Entertainment card

 Salary Packaging and Meal Entertainment card

  • How can I check my card balance?

    • Login to your AccessPay account
      (“Employee Login” button in top right-hand corner).
    • Login to your AccessPay mobile app available to download on GooglePlay and the Apple App Store
    • Calling the dedicated 24/7 phone line 1300 146 371
      When calling, please have your date of birth and the Primary Cardholder’s subscriber number on hand.

    *Before you can access your account and balances online or via the app, you must be registered for online access. “Register for online access” here.

    Balances cannot be checked at ATMs.

    Please note, the mobile app and online account access will only be available to the AccessPay subscriber and not to partner cardholders.

  • How do I change my PIN ?

    If you have a Visa Salary Packaging and Meal Entertainment card you’re unable to change your PIN, however you do have the ability to retrieve it.

    If you have a Mastercard Salary Packaging and Meal Entertainment card follow the steps below:

    1. Go to: https://pin.emerchants.com.au

    2. Enter the 16 digit Card Number, your last name and date of birth, press “continue”

    3. The details entered will be validated – if the details are incorrect, you will be advised and can try again. If the details are not registered correctly please contact AccessPay on 1300 133 697

    4. Upon successful validation, a temporary security code will be sent to the email address registered against your card – the code will only be valid for 15 minutes. Click on “continue” – do not close the webpage otherwise you will need to start the process again

    5. Check your email for the security code. The email should be received almost immediately – if you do not receive it in your inbox, check your junk/spam folder. Once you have located the security code, enter it and click “continue”

    6. If the security code is still valid, you will be presented with the PIN Change area. The PIN needs to be entered twice to ensure the same PIN is entered. Once PIN is entered, select Change PIN.

  • I've forgotten my PIN. How can I retrieve it?

    Salary Packaging and Meal Entertainment cardholders must have your personal details registered in their AccessPay account. Minimum requirements for applying for a Salary Packaging and Employee Benefits card include name, date of birth, and an email address. If the details are not registered or are not correctly updated, you will not be able to verify your identity and/or receive the security code required for the process.

    If you have not registered an email address to your AccessPay account, you will not be able to retrieve your PIN. You can update your email address via logging into your AccessPay account online, via the app or by emailing customerservice@accesspay.com.au

    PIN reveal procedure

    Cardholders can retrieve their PIN by visiting https://pin.emerchants.com.au.

    You will be prompted to enter your 16 digit Personal Account Number (PAN) along with personal details to verify your identity.

    Following verification of your identity, a security number will be sent to your email address as registered with the card. The security number will be required to allow the cardholder to access their PIN.

    For Mastercard Salary Packaging and Meal Entertainment cardholders, you have the ability to change your PIN if it is forgotten.

  • Is there a transaction limit on the card?

    Yes. There limit on the maximum for an individual transaction, as well as a daily limit.

    The transactions limits below cannot be changed:

    Daily Transaction Limit: $5,000.00 AUD

    Maximum Point of Sale limit per transaction: $5,000.00 AUD

  • Can I change my PIN?

    If you have a Mastercard Salary Packaging and Meal Entertainment card, Yes, you can change your PIN.

    If you have a Visa Salary Packaging and Meal Entertainment card you’re unable to change your PIN, however you do have the ability to retrieve it.

  • What happens if I enter my PIN incorrectly 3 or more times?

    Your Salary Packaging and Meal Entertainment Card will be blocked if you enter the incorrect PIN three times. After 24 hours this block will automatically be lifted.

    Even if you notify us, your Card will remain automatically locked until the next day.

  • Can I activate my card on any web browser?

    All web browsers are compatible for activating your card, except for Firefox and Safari.

  • What happens to my funds if I don't spend them by 31 March?

    Any funds remaining on your card on 31 March will be carried over to the next FBT year. If this happens it will reduce the following year’s allowed threshold. So, in order to get the maximum benefit of salary packaging we encourage you to spend your card balances by 31 March or contact us to discuss other options.

  • Why have I been asked to provide identity documents for my salary packaging card?

    It is a requirement under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 that our card provider, EML, confirms your identity once your salary packaging card balance reaches $5,000.

    You may be asked to provide a copy of one of the following documents to validate your identity:

    • Australian Drivers Licence
    • Passport (if you are providing a passport, the full passport number must be included)
    • Australian Medicare Card

    If, after supplying your document, your identity still can’t be verified, you will be asked to provide a certified copy of the document