Making contributions

How to make a personal contribution

There's a number of ways you can make a personal contribution to your account.


To find out what your BPAY® biller code and customer reference number is, check your statement, login to your account online or call us. No contributions forms are required when you use BPAY.

Your BPAY customer reference number is a unique number that is also different to your member number. 

® Registered to BPAY Pty Ltd ABN 69 079 137 518
Electronic funds transfer (EFT) ►

Step 1: Complete a transfer payment via your internet banking facilities using the following details:

Bank: Commonwealth Bank of Australia
Account name: First State Super 
BSB: 062 000 
Account No: 10226245
To Account description: Use your First State Super member number.

Step 2: Complete a Contributions by Cheque and EFT form. You must include your First State Super member number. Send the form to us by:
  • Fax: “Attention First State Super Cash Receipting” on 02 4253 6111
  • Post: First State Super, PO Box 1229, WOLLONGONG NSW 2500
  • alternatively you can fill out the form online
Direct deposit ►

Step 1: Make a direct deposit at Commonwealth Bank using the following details:

Account name: First State Super A/C [your First State Super member number and name] 
BSB: 062 000 
Account Number: 10226245
Agent Number: 999
To: If you are asked for a reference number please give the bank your First State Super member number and your name.

Step 2: Once the deposit has been made please send us the following details of the deposit:
  • Member’s name and member number
  • The amount of the deposit and date it was made
  • The name branch where the direct deposit was made
  • The receipt number of the transaction
These details can be sent by:
  • Email:
  • Fax: Attention First State Super Cash Receipting on 02 4253 6111
Cheque or money order ►

Please complete a Contributions by cheque and EFT form. Send the completed form and bank cheque, personal cheque or money order to:
First State Super 
PO Box 1229 


Types of contributions

To make additional salary sacrifice or after-tax contributions to your accounts through your employer please complete a Contributions by payroll deduction form. Give the completed form to your payroll manager.

Salary sacrifice (before-tax) contributions

You may sacrifice salary into super from your before-tax pay and benefit from some tax advantages.

Learn more about salary sacrificing into super and how you might benefit.

Personal (after-tax) contributions

You can top up your super account with your after-tax pay. If you’re considered to earn a low income, you may also benefit from some of the Government incentives to save into super.

To make a one-off personal contribution

You can top up your super account at any time by making a personal contribution with your after-tax money. If you earn less than $49,488 in the 2014/15 financial year, you may also benefit from Government co-contributions.

Superannuation Guarantee contributions

If eligible, you can choose to have your employer pay your superannuation guarantee (SG) contributions into your First State Super account. Complete a Choice of fund form and hand it to your payroll manager at work. Read more about taking us to a new job.


Need advice?

You have access to simple advice at no extra cost about making superannuation contributions to your First State Super account.