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Kim-M(Newbie)Newbie
14 Apr 2025

Hi, This is a 3 part question.

  1. My husband earns less than $40,000 per annum. I have started to add fortnightly payments using the spousal bpay details to his super fund. At tax time all I need to do is complete the "Spouse contributionTax offset" section on MY tax return to be eligible to claim a deduction. Is that correct or do I have to complete any forms with his super fund?
  2. My husband made a one off payment of $1000 to his super after tax and he has completed a "Notice of intent to claim" with them. From what I can understand this enables the Super fund to issue a letter of some sort giving him a tax benefit? Is this the Govt Co Contribution scheme whereby the govt will add $500 into his super fund? and is there a section on my husbands tax return form to complete to enable this?
  3. Is the co contribution and the tax benefits letter from the Super fund one and the same.

I am trying to work it out and the website is well written , I am just not too sure

Thank you

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Taxduck(Taxicorn)Taxicorn
15 Apr 2025

Yes. By using the appropriate Bpay details as provided by the super fund they will know this is a spouse superannuation contribution. - best to check with the super fund if unsure. And it is not a deduction, it is a tax offset.

A $1000 super contribution made by your husband will entitle him to a co-contribution from the Government. This is a personal contribution not claimed as a tax deduction. If it is claimed as a tax deduction then he will not receive the co-contribution. He should make a variation of the intent to claim a tax deduction if he prefers to receive a co-contribution - probably best to call the super fund if unsure.

Super co-contribution | Australian Taxation Office

From a future income point of view - a $500 co-contribution to super is a better deal than a $1000 tax deduction.

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Kim-M(Newbie)Newbie
22 Apr 2025

Thank you, I must have read it wrong and I thought the advice on here was that I had to do the intent because now the Super fund have deducted $150 tax on that $1000 . I thought I had to do the intent form to enable him to get the co contribution but I am mistaken, bit late now that they have deducted the tax. Live and learn I suppose. I won't do that again

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