Government co-contribution

To qualify for the Government co-contribution, you must meet all of the following criteria:

• You must make a personal (after-tax) contribution to your super fund and not claim a deduction for it. Employer or salary sacrifice contributions do not count as after-tax contributions
• Your total income must be less than $60,400 for the financial year
• You must lodge a tax return for the relevant financial year
• 10% or more of your total income must be from employment related activities (for example, work as an employee or from carrying on a business, or a combination of both)
• You must have a total super balance of less than $1.9 million* at the end of the previous financial year
• You must not have contributed more than your after-tax (non-concessional) contributions cap for the relevant financial year
• You must be less than 71 years of age at the end of the financial year
• You must not hold a temporary visa at any time during the financial year (unless you are a New Zealand citizen or it was a prescribed visa).

*The limits apply for the 2024/25 financial year.

To accept personal contributions from you, Cbus needs your TFN. To give us your TFN, you can log in to add your TFN in your online account, or call us on 1300 361 784.

There are three ways you can make a personal contribution to your super:

Bank transfer:

• Login to your Cbus Super account to get your personal BPAY® reference and biller code or Electronic Funds Transfer (EFT) details.
• From your own bank, complete a bank transfer of the personal contribution you want to make. 

Direct debit:

• Complete the Member direct debit request (PDF) form and return it to the address shown on the form.

Cheque: 

• Complete a Contribution slip (PDF) form and return it to the address on the form, with your cheque enclosed.