What is salary packaging?

Salary packaging allows you to pay for certain expenses such as your mortgage, rent and other everyday living expenses before income tax is calculated. So you pay less tax and have more money to spend.

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What can I salary package?

You choose the benefits you want to include. The most popular benefits are:
- living expenses (i.e. mortgage, loan, credit card repayments)
- meal and entertainment (dining out)
- a car (new or used)

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Can I keep my options flexible?

Yes. If you prefer to spend as you go, then simply choose the AccessPay Salary Packaging and Meal Entertainment card. You can then decide each pay how you want to spend your money.

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How do I get started?

Getting started is easy. All you have to do is let us know what you want to include in your salalry packaging arrangement and we do the rest. If you're not sure we can even help you decide.

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Are there other ways to save?

Many Australians now suffer stress due to their personal financial situation. That’s why we offer our financial wellness program, to help you understand how to make the most of your finances.

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How do I access my account?

Once you start salary packaging you're in control. Your online account gives you easy access to all your salary packaging information, so you can manage your account as you go.

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Frequently Asked Questions

  • 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.

  • 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.

  • 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 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.

  • 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.