Spouse membership

Contributions by the nominating member are accepted (on a post-tax basis only) provided that the spouse meets the definition of ‘spouse’ under government rules.

Contributions by the spouse member are accepted on a pre-tax or post-tax basis.

Contributions by the spouse’s employer may be credited to the spouse’s Employer Contribution Account.

If your spouse earns less than $37,000 they may be eligible for a tax offset equal to 15% of any after-tax contributions (up to a maximum offset of $500).  Find out more about the tax offset on the ATO website.

Contribution splitting is a different method of growing your spouse’s super. You can transfer up to 85% of your pre-tax contributions to your spouse’s account.

• Spouse contribution splitting form

Low and middle-income earners may be eligible to receive up to $500 of co-contributions depending on their income and amount they contribute.

Find out whether you are eligible to receive a government super co-contribution to boost your savings on the ATO website.