Your guide to

Salary Packaging
with AccessPay

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 Salary Packaging with AccessPay

Contents

3 Getting started

4 Checking your payments

5 Supporting documents

6 Changing a payment

7 Adding a payment

8 Additional information

9 Need help

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Getting started

Registering for online access

Before you can log in to your online account you need to register for online access.

Either: Or:
On the AccessPay website On the AccessPay mobile app
click on the icon click on the button
LOGIN TO YOUR ACCOUNT REGISTER FOR ONLINE ACCESS

Click this link to register

Then follow the prompts:

You need to provide your email address (this is the same address
you used to apply for your account) and your date of birth.
Then enter your Username (this is the salary packaging account
number/subscriber ID shown on your Welcome letter).
Create a password and a confirmation email will be sent to you.
Click the Activate registration link in the email and your online
access will be complete.
You can then log in to your account using your unique
ID number and password.

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Checking your payments

Your online account

When you first start salary packaging you will receive a welcome
letter confirming the instructions you have provided for your salary
packaging arrangement. This will include:
The amount that will be deducted from your salary each pay.
How we will use this money.

You can also check these details in your online account.

2 3
4

1 Log in details

Payment details
2 (description, amount and bank account where payment is made)
Payment dates
3 (next payment, end date and amount covered by supporting documents)
Options to select when making a change to your payment
4
New supporting documentation – to add supporting documents to the payment
Set end date – to stop a payment
Change amount – to change the amount of the payment
Change account – to change the account where the payment is made

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Supporting documents

Information we need to make payments

To ensure your salary packaging arrangement complies with the Australian Taxation
office (ATO) rules, supporting documents must be provided to us. These confirm
the details and amount of each payment we make to you or pay on your behalf.
The exception to this is if you choose to salary package to a Salary Packaging
and Meal Entertainment card. In this case we can make the payment to the card
and then you can choose what to use the money for.

Typical examples of supporting documents are:

Expense type Documentation required

Mortgage repayment Current statement showing the BSB, account

(excluding investment properties) number, amount owing and proof of payment.
Personal loan repayment Current statement showing the BSB, account
number, amount owing and proof of payment.
Rent Current lease or rental declaration showing your name, address,
rent amount, length of lease and proof of payment.
Education payments Invoice showing amount owing and proof of up to
(school fees, child care, HELP) 12 months’ worth of payments.
Health insurance Policy document showing the amount owing and proof
of payment.
Income Protection insurance Policy document showing the amount owing and proof
of payment.
Household bills Invoice showing payment details, amount owing and proof of
(rates, power, groceries etc.) payment. If this payment includes GST, the tax invoice must
show the GST amount.
Meal and Entertainment benefits Invoice showing payment details, amount owing and proof of
(holiday accommodation) payment. If this payment includes GST, the tax invoice must
show the GST amount.
Credit card Credit card statement showing amount(s)
paid to the credit card and up to
12 monthly statements.

Please ensure that you blank out

the credit card number from your
statement before submitting it to
us, as per this example:

Your supporting documents can be used for payments to the value of the amount
that they cover. We show the amount remaining against each payment in your
online account (see in previous diagram). Once this amount has reduced to
zero ($0), we will need updated documents to make further payments.

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Changing a payment

Making a change
If you need to make a change to an existing payment, you can do this
via your online account.

Once you have logged in to your account, select the My Payments icon.
The options available to change payments are shown as blue links on the right
hand side of each payment ( ). Simply click on the relevant link and then fill in
the information requested.

4
2 3

1 Log in details

Payment details – old payment details are still shown

2 – new payment shows amount and bank account details
Payment dates – end date for old payment (when you want the payment to stop)
3 – start date for new payment, amount covered by supporting documents
Options to select when making a change to your payment
4
New supporting documentation – to add supporting documents to the payment
Set end date – to stop a payment
Change amount – to change the amount of the payment
Change account – to change the account where the payment is made

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Adding a payment

Adding a new payment

If you need to set up a new payment, you can do this via your online account.

Once you have logged in to your account, select the My Payments icon.
The option to add a payment is shown as a blue link under your employer details ( ).
Simply click on the relevant link and then fill in the information requested.

2
3

1 Log in details

2 Employer details

3 Add payment link

You may need to stop or change the amount of an existing payment before you add
a new payment to make sure you stay within you annual packaging limit. To do this
please refer to page 6, Changing a payment.

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Additional information

Fact sheet library

There are some circumstances that can impact your salary packaging
and the benefits you receive or affect the way your salary packaging is
reported on your tax return. For example if you:
pay or receive child support
pay or receive government benefits
have an education debt (ie. HELP, HECS)
do not have private hospital cover
live and work in a remote area.

The AccessPay website includes a fact sheet library with lots of

information on these topics and more.

Factsheet
2019/2020 Financial Year fact sheet Fact Sheet Fact Sheet Salary packaging and
Salary packaging and education debts Car Parking Salary packaging relocation costs remote area benefits

The remote area benefit helps renters and home owners who live and work in regional and
Car parking is cheaper when you salary package it. remote Australia to put more money back in their pocket. That’s because only 50% of the
benefit is included in the annual general living expenses cap and the remaining 50% is in
Whether it’s metred on-street, airport or commercial station addition to the cap.
parking, you can salary package the expense you incur! While relocating for work can be a hassle, it
doesn’t need to cost the earth! We can help you
save money by salary package these costs.

Eligibility requirements Remote area housing assistance

If your employer offers this benefit as part of their employee This benefit is claimed as 50% within the annual general
If you work for a registered charity, in public benefits program, and you live and work in an area living expenses cap and 50% in addition to the cap and
education or for a not for profit scientific institution, classified as “Remote” by the Australian Taxation Office allows you to salary package payment or reimbursement
and your employer offers car parking as a salary (“ATO”), you may be able to claim: of your rent, or reimbursement of interest on a mortgage.
packaging benefit, you may be able to salary
Depending on your individual circumstances, participation in a salary packaging package the cost of parking for work. Relocation costs won’t impact your FBT exempt annual limits, and are not reportable on your
arrangement may increase the compulsory repayment amount you may need PAYG Payment Summary, when you’re: Housing Assistance Renting, here’s how it works
The three most common types of car parking benefits and
to make for the Financial Year for various education debts, such as HELP the one that applies to you, depends on your personal
required to live away from home for work for a temporary period, or Interest you pay on your mortgage for the house you live in, If your lease agreement is in your name, and you are
or responsible for 100% of the rent payable, you can claim
(previously known as HECS) and SFSS. circumstances. These include:
returning home after a work-related temporary relocation, or
Rent you pay an estate agent, private party or employer for
returning home after a work-related temporary relocation, as you no longer perform the duties for which you originally relocated, or the rent for the duration of the lease. You must provide a
the house you live in, and copy of the formal lease agreement, which should include
Though your compulsory repayment may increase, it is likely Education debts that may be impacted by permanently relocated.
Electricity or gas bills, if you are salary packaging your rent lease commencement and end dates along with the
that you will still receive a substantial tax benefit from a salary salary packaging Your employer leases a car parking space for you or interest on your mortgage as a remote area benefit.
packaging arrangement. 1 near your work and passes that cost onto you
amount payable.

HELP (Higher Education Loan Program) Relocation costs covered are: Example:
For eligible students enrolled in Commonwealth supported Engagement of a relocation consultant Connection or reconnection of utilities Holiday Transport Olivia lives and works in a remote area and rents a house that is occupied
by her as her usual place of residence. Her rent is $10,400 per year. For
places at university or other higher education providers, to help you, or your family members more and settle into a Gas, electricity and telephone where: Travel from the remote location to the nearest capital city, or the FBT year (1 April to 31 March), Olivia can claim:
You personally pay for car parking (e.g. early bird) Claim your car parking expenses
or approved vocational education and training providers. 2 near work as part of your regular commute to work
new location. a telephone was connected at your home. previous living location, if the travel relates to a holiday (not
Eligible students typically elect to repay the debt via the as a reimbursement business travel). Remote area 50% within cap $ 5,200
Removal and storage of household items the connection of a new service is made within 12 months housing assistance
tax system. Please refer to Table 2 on the next page of Not already salary packaging car parking benefits: of commencing employment duties in your new location.
including packing, unpacking, insurance and arrangements 50% in addition to cap $ 5,200
this fact sheet for the thresholds and repayment rates for complete the ‘Change to Salary Packaging
for your pets.
compulsory repayment. Arrangements form’. Transport to / from your new location The exact remote area benefits you can claim vary Additional living expenses cap $ 10,7001
3 Any other car parking expense that you incur
depending on location, so it pays to check with
OR Sale or acquisition of a dwelling, such as stamp duty, including meals and accommodation en route for you and
SFSS (Student Financial Supplement Scheme) your employer. Total salary packaging $ 21,100
Currently salary packaging a regular amount for advertising, legal fees, agents commissions and your family.
This was a voluntary loan scheme to assist tertiary students
car parking benefits: borrowing experiences (for permanent relocation only) transport costs for journeys taken prior to the relocation, to Remote area benefits are subject to FBT, but at the 1
For hospital workers the additional living expenses cap available is $3,810,
cover expenses whilst studying. It ended on 31 December so the total salary packaging would be $14,210.
complete the ‘Payment and reimbursement Where: arrange suitable accommodation (provided you committed reduced rate of 50%. By using part of your threshold for
2003, however existing debts continue to be repaid through
claim form’. you owned your home and it was your usual place of to the relocation). this 50%, it then becomes exempt from FBT. Although the Olivia can salary package an additional $5,200 and reduce
the tax system via compulsory repayments. Please refer to
Table 3 on page 3 of this fact sheet for the thresholds and residence (not an investment property). 50% exempt portion is not applied to your threshold, you her taxable salary by the same amount.
repayment rates. the sale contract for your home is within two years of cannot package the exempt portion only.
Submitting your completed form commencing employment duties at your new location.
All remote area benefits are non-reportable benefits and
Together with your proof of payment of your car parking the contract to purchase a new home is within four years of will not appear on your annual PAYG payment summary.
expense to: commencing employment duties in your new location.
Email: [email protected]
Post: GPO Box 1238, Adelaide SA 5001

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Fact Sheet
Fact Sheet
FBT Exemption for
Religious Practitioners Car fringe benefits

Where an employee is provided with private use of a

company vehicle, a fringe benefit occurs. Depending on
If your work as a religious practitioner involves the type of vehicle provided, the fringe benefit will either
pastoral duties, you may be able to salary be a car fringe benefit, or a residual benefit.
package up to 100% of your income without
being subject to an FBT threshold. A car fringe benefit arises where the following occurs:
The vehicle provided is a car.
The car is owned or leased by the employer.
An employee has private use of the vehicle, or the vehicle is deemed to be available
for private use of the employee. This occurs when the car is garaged at or near the
employee’s residence, or, the car is not on the employer’s business premises, and
the employee has control of the car (i.e. has the keys).
A residual benefit will arise where an employer provides the use of a vehicle to an
employee, where that vehicle does not satisfy the definition of a car.
You are exempt from an FBT threshold if: You are a deemed a ‘religious practitioner’
Your employer is a registered religious institution, and if you are: This generally applies to;
A minister of religion Utility vehicles
You are a religious practitioner, and
A student undertaking a course on the duties of a Panel vans
The benefit is provided to you and/or your family; and
minister of religion Buses.
Your income is paid principally for pastoral duties or any
other duties that are directly related to the practice, study, A full-time member of a religious order There is no blanket FBT exemption for vehicles that are not cars, though these vehicles
teaching or propagation of religious beliefs. A student at a college conducted solely for training may be eligible for an FBT exemption in certain circumstances.
people to become a member of a religious order.

Pastoral versus non-pastoral:

what’s not covered?
Only employees whose work is primarily carrying out pastoral
duties are considered eligible for this benefit. Non-pastoral
duties include:
The administration of a church
Example 1
Work undertaken by a director of a department of a Car ‘deemed’ to be available for private use
Sally is required to take a car home overnight
Diocese or similar unit of ecclesiastical administration because her employer is not able to safely store
The running of a school. the vehicle on business premises. Sally is not able
to use the vehicle for any private use other than
If your role is primarily non-pastoral duties, or your role between home and her regular place of work.
changes to include mostly non-pastoral duties, salary As the vehicle is garaged at Sally’s home overnight,
the vehicle is ‘deemed’ to be available for private
packaging thresholds determined by the ATO will apply.
use, and so a car fringe benefit will occur.
If you are a religious practitioner with both pastoral and
non-pastoral duties, it is possible for the benefits to be
provided based on your pastoral duties, and therefore
they’re exempt from FBT.

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Find out more

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Need help

Easy ways to contact us

You can contact us in any of the following ways:

accesspay.com.au
This is where you can:
Find answers to the most popular questions in our FAQ section.
Locate detailed fact sheets helping you understand more about
salary packaging and how it relates to your circumstances.
Fill in our contact form with details of your enquiry and
we’ll get back to you.

Or you can contact us in one of the following ways:

Call 1300 133 697

Email [email protected]

Fax 1300 361 498

Post GPO Box 1238, Adelaide, SA 5001

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