Everything you need this end of financial year — from key cut-off dates to helpful guidance on making a personal contribution.
Claim a tax deduction
You may be able to claim a tax deduction when making personal contributions to your super
Build future wealth
A contribution today with compounding returns can make the difference in retirement
Hassle free
Contribute using BPAY with details found in your member portal or from our latest email to you
Key dates
Cut-off times and dates for processing of additional super contributions can be found below.
If eligible, additional contributions may help your super position and provide tax benefits this financial year. If you plan to claim a tax deduction, you’ll need to submit a Notice of Intent to Claim form with the instructions listed below underneath the Notice of Intent to Claim heading and receive confirmation before lodging your tax return.
There are limits on the total amount of contributions you can make into super each financial year without paying extra tax. You may wish to speak to a financial adviser before making contributions.
Contribution - BPAY®
Cut-off: 24 June 2026, 4pm AEST
Any request to claim a tax deduction for the 2025/26 financial year must be received before you lodge your tax return, or by 24 June 2027, whichever is earlier.
Note: Please keep in mind your daily limit on BPAY payments.
Find information about past contributions in your member portal
Log in to your member portal to see how much money has gone into your super account so far this year. If you have more than one super fund, you can log in to your myGov account to see your total contributions.
Investment - BPAY®
Cut-off: 24 June 2026, 4pm AEST
Depending on the cut-off times of the transferring bank, transfers processed after 24 June 2026 may not be received until the next financial year.
Note: Please keep in mind your daily limit on BPAY payments.
Deduction notices for personal contributions
If you’re an SMSF discuss making a notice of intent claim with your tax adviser or accountant.
How to make BPAY® contributions to your super
You can make a personal contribution to your Super by transferring money from your bank account via BPAY.
To find your BPAY details and Reference Number:
- Log in to your member portal.
- Click Transactions in the top menu.
- Select Make a contribution on the right-hand side of the page.
- If you’re going to claim a tax deduction, you need to complete our digital Notice of Intent to Claim form.
Note: Make sure you wait until after your contribution is visible in your online account before you complete the notice of intent to claim form.
Before you contribute, it’s important to keep contribution limits in mind, as additional tax may apply if you exceed them. For more information, visit the ATO website.
Notice of Intent to Claim
Remember to submit your digital Notice of Intent to Claim form before lodging your tax return. You'll need to notify us of your intent to claim a tax deduction within the required timeframes. Fill out the digital Notice of Intent to Claim form to claim a deduction for the 25/26 financial year:
- Before you lodge your tax return for the 25/26 financial year, or
- By 24 June 2027, whichever is earlier
Or to claim for the 24/25 financial year, you'll need to keep in mind the dates below:
- Before you lodge your tax return for the 24/25 financial year
- By 4pm AEST on 24 June 2026, whichever is earlier
Before making any decisions, we recommend you consider your personal circumstances and speak with your financial or tax adviser.
Government Co-contributions
If you're a low or middle-income earner and make personal non-concessional (after-tax) contributions to your super fund, the government may also make a co-contribution up to a maximum of $500.
The government co-contribution you receive depends on your income and how much you contribute
You don't need to apply for the super co-contribution. When you lodge your tax return, the ATO will work out if you're eligible. If your super fund has your tax file number (TFN), it will be paid to your super account automatically.
Yes, it’s important to be mindful of contribution limits when making contributions, as you may incur significant tax penalties if you exceed the limits. For further information, please refer to the Australian Taxation Office website.
For Australian Ethical Super members
You can make a personal contribution to your super by transferring money from your bank account via BPAY®.
To make a payment, you'll need to use the Biller Code and your unique Reference Number through your bank's BPAY payment service.
To find your BPAY details and Reference Number:
- Log in to your member portal.
- Click Transactions in the top menu.
- Select Make a contribution on the right-hand side of the page.
Your BPAY contribution details will then be displayed.
To process BPAY contributions before the cut-off dates, you need to have transferred your funds by the cut-off date. Any payments made after this time may only be processed in the new financial year. Please note, some financial institutions can take more than two business days to process BPAY transactions.Please consider this when making last minute contributions. All BPAY personal contributions will be processed as non-concessional contributions. If you would like to claim a tax deduction for these contributions, you need to complete a Notice of Intent to Claim form for personal contributions.
For SMSF members invested in Australian Ethical Managed Funds
You can make a personal contribution by adding money to your managed funds investment from your bank account via BPAY.
You can find your BPAY details, including your Reference Number, by following these steps:
- Log in to your InvestorServe portal.
- In the left-hand menu, select Payment Instructions.
- Click BPAY Instructions.
- Select Issuer: Australian Ethical Investment Ltd.
Your BPAY details and Reference Number will then be displayed.
To process BPAY contributions before the cut-off dates, you need to have transferred your funds by the cut-off date. Any payments made after this time may only be processed in the new financial year. Please note, some financial institutions can take more than two business days to process BPAY transactions.
Please consider this when making last minute contributions. You should speak to your accountant or tax advisor before you make a personal contribution to ensure this is completed correctly for your personal circumstances, including the completion of a notice of intent to claim.
If you make a personal contribution for the 2026 financial year, you can claim a deduction when you lodge your tax returns. To do so, you need to fill out a Notice of Intent to Claim form before you complete your tax return. Assuming that all information has been entered correctly, processing takes approximately 10 business days. For information on how to make your tax return, please refer to the ATO website.
If you’re an SMSF discuss making a notice of intent claim with your tax adviser or accountant.