What is super ‘stapling’?

The Australian Taxation Office is going to ‘staple’ everyone to a super account from 1 November 2021, which means your super will automatically be paid into your stapled account unless you exercise ‘choice of fund’ by telling your employer which super account you’d like your super paid into.

If you have more than one super account, your stapled account is likely to be the account with the most recent contributions (as long as those contributions were made after 1 July 2020).  If none of your super accounts have received a contribution since 1 July 2020, your stapled account is likely to be the account with the biggest balance.

If you’d like to ensure that future contributions are made to your Christian Super account, here are a few things you can consider.*

 

Let your employer know you’re with Christian Super

It’s a good idea to check where your current employer is paying your super contributions. If they are not going into your Christian Super account and you would like them to, simply:

  1. Download the Choice of Fund Form from our website and fill in.
  2. Give the completed form to your employer.

This will mean you have exercised ‘choice of fund’ and your employer will pay your super into your Christian Super account.

 

Consider combining your other super

If you have more than one super account, it may be beneficial to combine your super into one account. If you would like to combine all your super into your Christian Super account, then follow the steps below.

Option 1

  1. Log in to your online MemberAccess account.
  2. Select the ‘CONSOLIDATE SUPER’ menu tab.
  3. Follow the prompts and submit. Please note that digital ID verification may be required.

Option 2

  1. Log in to your myGov account.
  2. Select the ‘ATO’ service tab.
  3. Follow the prompts and submit. Please note that digital ID verification may be required.

If you combine all your super into your Christian Super account, this will be your only super account and will therefore become your ‘stapled’ account.

 

Make a personal super contribution

A personal super contribution can be made via BPAY. Every Christian Super member has unique BPAY details – you can find yours in your online MemberAccess account, on our mobile app or on your most recent member statement. You can also contact our Member Care Team who will be happy to provide you with your unique BPAY details. Click here to learn more about the different types of personal contributions you can make.

If you have made a personal contribution in order to be ‘stapled’ to your Christian Super account, please be aware that this personal contribution needs to be the most recent contribution made to any of your super accounts at 1 November 2021.

 

We’re here to help

If you have any questions, please contact our friendly Member Care Team.

* The content of this article includes advice that is general in nature and does not consider your personal situation. Christian Super encourages all people considering their opt