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 a change member details form [PDF, 161 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 $521.43).
  • 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 a voluntary contributions form [PDF, 66 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