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If you are self-employed or work as a contractor, you need to think about super more than anyone else as you don't have an employer automatically paying it for you.

Why contribute into super

There are some important reasons why you should contribute to super.

Peace of mind

It's easy to put saving for retirement on the back burner but by contributing part of your earnings into super you're ensuring you have a nest egg for when you finish working. Having super savings also means you don't have to rely solely on the sale of your business or the Government's Age Pension to provide for your retirement.

Tax effective saving

Super is a tax effective way of saving for your retirement. If you are self-employed, contributing to super is not compulsory. However, if you make personal contributions to your super you may be eligible to claim a tax deduction. If you start young and contribute regularly, it will go a long way to helping you maintain your lifestyle once you finish working.

Low cost and flexible insurance

Did you know, as a self-employed individual, you may be eligible to apply for additional insurance with your super fund? Insurance within super is based on discounted group rates, so it is normally more cost-effective than individual insurance outside of super. You can also choose how much insurance you want to suit your lifestyle and change your cover if your circumstances change*. Insurance is an important feature of your super account, providing you and your family with peace of mind knowing you are covered, should you become ill, injured, disabled or die.

Tax benefits

Pre-tax (concessional) contributions and earnings within the superannuation system are generally taxed at just 15%, rather than at your marginal tax rate until retirement.

Tax-free payments after 60

Once you turn 60 you may start receiving tax-free payments from a retirement income stream.

Join and start contributing

You can join Prime Super by selecting the Join button at the top of this page and completing the online application.

Once you have joined, the easiest way to make contributions is via BPAY and Direct Debit. Simply register and login to your MemberOnline account. Select 'Payment methods' in the Member tab to access your BPAY details. Then you can begin contributing to your account.

You can also set up an automatic Direct Debit and take the hassle out of remembering to make your contributions.

Claim a tax deduction for your contributions

You may even be eligible to claim a tax deduction on the contributions you make to your super account. Complete the ATO's Notice of intent to claim a deduction for personal super contribution form (NAT71121) each year and send it to us before you lodge your tax return. Visit for more information.

Make contributions on behalf of an employee

If you employ staff that you have to make super contributions for, find out about your obligations and how to pay super at Pay super now.

*Eligibility conditions apply and may be subject to underwriting