Voluntary contributions from your pay
You can make regular voluntary contributions through payroll as deductions from your pay. There is no upper limit. You can change your contribution rate using form 3 change contributions [PDF, 80 KB].
Contributions from personal bank accounts
We can only accept voluntary contributions from members through payroll from your salary or wages. This is a requirement as part of UniSaver’s exemption from some of the provisions of the Anti-Money Laundering and Countering Financing of Terrorism Act 2009. It means that, in most cases, you cannot make voluntary contributions from a personal bank account to UniSaver.
However, there are some exceptions to this rule:
- Top-up contributions to your locked account to qualify for the maximum government contribution (currently you need to contribute $1,042.86 a year to your locked account to qualify for the maximum government contribution of $260.72).
- Amounts transferred to UniSaver when you are on leave of absence.
- Amounts transferred to UniSaver from another superannuation scheme – read more about transferring benefits in.
For the purposes of the government contribution, the year runs from 1 July to 30 June (whereas the scheme financial year is the same as the calendar year).
To make a voluntary contribution, you need to complete form 5 voluntary contributions [PDF, 71 KB].
Transferring benefits in
In some circumstances, you may be able to transfer funds to UniSaver from another superannuation scheme – read more about transferring benefits in.