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Give us your Tax File Number (TFN)

Superannuation funds are authorised to ask members for their TFN. You do not have to provide your TFN but, if you do not provide it:

  1. We may be required to deduct additional tax (at a rate of 30% plus the Medicare Levy*) from any before-tax contributions made to your Member Savings account.
  2. We won’t be able to accept after-tax contributions to your Member Savings accounts (including co-contributions, if eligible).
  3. We may be required to deduct tax at the top marginal rate (plus the Medicare Levy) on the taxable portion of your benefits (if applicable).
It’s easy to supply your TFN. Just complete a Provide your Tax File Number form and send it to us. You can also provide it over the phone by calling SuperPhone on
1300 360 373.
* This is also affected by the increase in the Medicare Levy and the proposed 'temporary budget repair' levy. For the details see the fact sheet on Superannuation taxes

 



Tax and super

To help you save for your retirement, the Government provides a range of tax concessions and incentives through superannuation. The tax system however, is complex and different rules may apply depending on your individual circumstances.

You should consider seeking professional taxation advice before making any decisions affecting your super and financial future.

Super can be subject to tax on:

  • Contributions
  • Earnings or investment returns
  • Benefits when they become payable.

There are also special tax rules that may apply on:

  • High income earners
  • Death benefits payable to dependant(s) or a legal personal representative
  • Benefits payable if you are terminally ill
  • Pension payments.

You can find out more about the above taxes and how they apply to super and your benefits in the APSS by reading: