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PengWings(Initiate)Initiate
8 July 2021

Hello,

I've been reading through the questions in this section and have a couple of questions for the below scenaio.

1. Start off on the Working Holiday visa (and contibuting super)

2. Transfer after a year to a TSS medium term visa (482)

  • If I opened a second super account which only included contributions from while on the TSS visa, will the DASP non-WHM tax rate apply to this secondary super account?

Continuing the scenario...

3. Transfer to a permanent visa at the end of the TSS visa

4. Leave Australia permanently after a number of years

  • If all super contributions were made to a single super account, what are the options if I were to depart Australia? What is the DASP tax rate applied?
  • If I had 2 super accounts, first one including the amounts contributed while on the Working Holiday Visa and then partially on the TSS visa, and the second which include contributions while on the TSS visa and then the Permanent visa, what are my options if I were to depart Australia?
  • Can I leave it in the superfund and let it grow and withdraw at the eligible time?

Thanks!

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3 replies
753 views
3 replies

Most helpful response

Most helpful reply

EthanATO(Community Support)Community Support
10 July 2021

Hi @PengWings,

So for your first question (Point 2), if both superfunds are with the same provider, the tax rate will depend on how the provider makes the DASP payment to you. If they make two separate payments from each fund, then the DASP rate on each payment will depend on the contributions made and what visa was held. However, if the provider makes the payment to you in a single payment including both funds, then the tax rate will be the WHM 65% for the whole payment. If both superfunds are held with different providers, then the tax rates should be determined separately and based on the contributions made into each specific fund.

As for your last few questions:

    • If all contributions were made to a single account, which included the WHM contributions, the tax rate would be 65%.
    • This was somewhat answered in the first section of the response, which would apply to this scenario too. Just want to add that contributions while on the TSS visa made to the fund with WHM contributions would be taxed at the WHM rate.
    • You could choose to leave it in the superfund, however funds generally apply fees consistently. When the balance reaches a certain point they're required to send it to us instead. It's your choice whether you leave it in there, we have information on our website regarding the general withdrawal options. You may want to contact your find directly to discuss later withdrawals and their fees that would apply until then.

    You can read more about DASP and working holiday maker withdrawals on our website.

    Hope this helps, let us know if you have any questions.

    All replies

    Most helpful reply

    EthanATO(Community Support)Community Support
    10 July 2021

    Hi @PengWings,

    So for your first question (Point 2), if both superfunds are with the same provider, the tax rate will depend on how the provider makes the DASP payment to you. If they make two separate payments from each fund, then the DASP rate on each payment will depend on the contributions made and what visa was held. However, if the provider makes the payment to you in a single payment including both funds, then the tax rate will be the WHM 65% for the whole payment. If both superfunds are held with different providers, then the tax rates should be determined separately and based on the contributions made into each specific fund.

    As for your last few questions:

      • If all contributions were made to a single account, which included the WHM contributions, the tax rate would be 65%.
      • This was somewhat answered in the first section of the response, which would apply to this scenario too. Just want to add that contributions while on the TSS visa made to the fund with WHM contributions would be taxed at the WHM rate.
      • You could choose to leave it in the superfund, however funds generally apply fees consistently. When the balance reaches a certain point they're required to send it to us instead. It's your choice whether you leave it in there, we have information on our website regarding the general withdrawal options. You may want to contact your find directly to discuss later withdrawals and their fees that would apply until then.

      You can read more about DASP and working holiday maker withdrawals on our website.

      Hope this helps, let us know if you have any questions.

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