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Personal after-tax contributions – a gift to your future

Personal after-tax contributions are another way to contribute to your super. Adding a bit more early on can make a difference to your super because of the long-term benefits of compound interest. 

These contributions can take the form of a one-off, lump sum payment to your super account, or they can be a regular amount deducted from each pay or bank account. You can also make these contributions via BPAY, direct debit, cheque or money order.This type of contribution generally doesn’t incur any further tax once it reaches your super account.

Payment options

Who can make personal after-tax contributions?

You are eligible to make personal contributions if you are under 75. Further conditions apply, you can review these in our Member Guide. 

Know your limits

Before you start making additional contributions, it's vital to review all of the super contributions you make to ensure you stay within the caps and aren't charged additional interest and tax.

How much is the cap?

These contributions fall under the after-tax (non-concessional) contributions cap of $110,000 per year if you have a total super balance of less than $1.7 million as at 30 June of the previous financial year.

If you are under age 75 and with a total super balance of less than $1.7 million you can bring forward up to two years of future entitlements, which is equivalent to a cap of $330,000 over three years (Under the ATO rules, the amount you can bring forward will be different if your total super balance is between $1.48 million and $1.7 million). If you triggered the bring forward rules in the previous two financial years, you will be limited to the caps applying at that time.

These contributions are generally tax free but additional tax may apply on non-concessional contributions in excess of the cap. If excess non-concessional contributions and associated earnings are withdrawn, associated earnings are taxed at your marginal tax rate plus Medicare Levy less 15% tax offset. If not withdrawn, top marginal tax rate plus Medicare levy is applied on excess non-concessional contributions. This cap applies to all super accounts you may have, not just your account with us.

You can find out more about contribution caps in our Member Guide.

Make a personal after-tax contribution today

There are lots of ways to make a personal after-tax contribution to your VicSuper account. See payment options.

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