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Spouse contribution

Help grow your partner’s super

You can help grow your partner’s super by making a voluntary contribution into her/his Statewide Super account. Not only does this mean more money for your partner in retirement, but it could mean a tax saving for you right now.

How do I contribute?

Making a voluntary contribution to your partner’s super is the same as making one to your own super, except you pay into her/his Statewide Super account instead of yours.

Can anyone do it?

Spouse contributions are possible if you are a married couple or in a de facto relationship (including same-sex partners) and your spouse is:

  • under the age of 67, or
  • between age 67 and 75 and has been gainfully employed for at least 40 hours in 30 consecutive days during the financial year that the contribution is made.

How do the tax savings work?

If you contribute to your partner’s superannuation, you could be eligible for a tax rebate of up to $540 if:

  • your spouse earns $37,000 or less a year
  • you contribute $3,000 or more to their super account
  • both you and your spouse were Australian Residents when the contributions were made
  • you and your spouse were not living separately or apart on a permanent basis when the contributions were made
  • no tax deduction is claimed for the contribution
  • your spouse had not exceeded their non-concessional contributions cap for the relevant year, and
  • your spouse’s total superannuation balance was less than $1.7 million on 30 June of the previous financial year.

You may qualify for a partial rebate if your spouse earned between $37,000 and $40,000 and/or the contribution was less than $3,000.

 

What if they don’t have a Statewide Super account?

If your partner doesn’t already have a Statewide Super account, they can open one simply by joining. When they become a member, they’ll also enjoy all of the Statewide Super benefits, including:

  • Access to Statewide Super insurance cover (subject to acceptance by the insurer*)
  • A choice of investment options
  • Competitive fees and charges
  • Access to a range of member benefits, discounts, articles and videos
  • The ability to grow their super through spouse contributions.

If they have more than one super account, you could have a chat to them about the benefits of consolidating their accounts into one fund.

Receiving spouse contributions

Of course, it’s not a one-way street. Your partner can also make a spouse contribution into your account and help you grow your super.

We can accept contributions that your spouse pays into your account if:

  • You’re under 67 years of age
    Or
  • You’re between 67 and 75 years of age and have worked at least 40 hours in a consecutive period of 30 days. 

Is this the same as contribution splitting?

Contribution splitting and spouse contributions are slightly different, and you can choose to do both. For more information, visit our contribution splitting page.

  • Important information

    *Insurance is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (the Insurer). Insurance is subject to the full terms and conditions contained in the 'insurance policy' with the Insurer. A copy of the policy may be provided to you upon request at no charge. You will only be entitled to insurance benefits to the extent that the trustee receives insurance proceeds in respect of you under the policy with the Insurer. The trustee has a right to change the Insurer from time to time.