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zeicel(Newbie)Newbie
7 Dec 2025

Hi, I really need some help because I’ve been trying to link my myGov to the ATO for months and nothing works. I’m 17 and this is the first time I’m trying to access my tax information. I worked at IGA in the 2024 year but I didn’t claim the tax-free threshold on that job. I’m also an immigrant and still kind of new to the Australian system, so I feel like I might be missing something.

When I try to link ATO through myGov, it asks me to confirm either my bank account details or my superannuation details. I enter the correct information from my current bank account and super account, but I always get errors like:

  • “Details provided do not match ATO records”
  • GFAD03
  • APS104

I think this might mean the ATO doesn’t actually have any bank or super details on record for me yet, so there’s nothing to match with. I tried calling 13 28 61 and using the automated system, but the voice authentication never works and the call just resets every time. So I can’t get through to someone to update my details.


Is there another way for a first-time lodger under 18 to verify my identity and get my ATO account linked? Do I need to get someone to manually add my bank/super details first?

Any advice on the best way to get past this verification loop would be really appreciated.

Thank you!

239 views
1 replies
239 views
1 replies

All replies

DamienATO(Community Support)Community Support
9 Dec 2025

Hi @zeicel,


You're right that we likely don't have enough information on file for you to link using the standard questions. This is common for first-time lodgers like yourself. When linking to us, the details must match exactly. Things like name shortenings (Daniel to Dan, Samantha to Sam), account numbers, etc can cause errors. If you can't use one question, try another if you're able.


Since you can't get through to our phone lines, you have another option. If you have an Australian passport, you can download the myID app and set up Strong identity strength, then use that to link your myGov to ATO online services.


If the myID option doesn't work for you, you'll need to keep trying our individual enquiries line to get a manual linking code. Our phone lines are quietest at 8am local time (when they first open) or later in the week. You might have better luck getting through then.


The linking code is only available over the phone. When you do get through, make sure to mention that you're a first-time lodger who needs a myGov linking code because you don't have enough information on your ATO record to answer the verification questions.

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Trouble linking my myGov to ATO — details don’t match (17yo, first time lodging) | ATO Community