FAQs

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Do I earn enough to salary package?

Salary packaging could benefit all income earners - no matter how much (or how little) you get paid.

As long as you're paying income tax, salary packaging could reduce your taxable income and reduce the amount of tax you pay. 

For example an employee in the health sector:

  • who earns $20,000 could save up to $1,317 each year
  • who earns $40,000 could save up to $1,767 each year.

The Queensland Government strongly recommends that Employees obtain independent financial advice before entering into a Salary Packaging Agreement.

Ready to find out more?

Check out our salary packaging calculator to estimate how much you could save.

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How do I claim?

Ways to claim your salary packaging benefits

1. Claim with the RemServ Claims app

Built specifically for Apple or Android™ mobile devices, such as smart phones and tablets, RemServ Claims is a fast and easy way to make a claim for reimbursement - anywhere, anytime.

With built in camera functionality, all you need to do is click, claim and go!

RemServ Claims is now free* to download from the App Store or Google Play™.

2. Claim online through your RemServ My Account

RemServ Online Claims provides a quick and secure way to submit your claims online, 24 hours a day, seven days a week.

Please remember to always keep your proof of purchase (typically a tax invoice or receipt).

To claim online:

  • Log into your RemServ My Account
  • Click on the link for Online Claims
  • Follow the prompts and be guided through each step of your claim, with information tailored to your salary packaging arrangement.

3. How to submit a paper claim

If you have already paid for the item - you can submit a paper claim for reimbursement.

Please remember to always keep your proof of purchase (typically a tax invoice or receipt).

  • visit the forms section and download a claim form
  • complete the claim form and attach your proof of purchase
  • upload your documents using our form upload tool, email to remserv@remserv.com.au or mail to: RemServ, GPO Box 424, Brisbane QLD 4001

Once received, we'll process your claim and deposit the funds from your salary packaging account into your regular bank account. We will also send you a confirmation email on the same day.

4. Set up automatic payments where possible

The easiest way to claim benefits is to set up automatic payments for items such as mortgage or rent. This allows us to take care of it all for you. And you avoid any extra paperwork.

Once you've provided initial documentation to verify the expense (e.g. home loan records), your job is done.

*Carrier charges may apply.
Apple, iPad and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

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How do I get started with salary packaging?

You may be eligible to salary package as part of your remuneration benefits. The Queensland Government has appointed two salary packaging providers; RemServ and Smartsalary.

You can contact these providers on the details below:

RemServ

Ph: 1300 30 40 10
Email: remserv@remserv.com.au
www.remservsalarypackage.com.au

Smartsalary

Ph: 1300 476 278
Email: customersupport@smartsalary.com.au
qld.smartsalary.com.au

Find out more by visiting our Get started page. 

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How does salary packaging affect my take home pay?

This is what happens to your pay once you've set up a RemServ salary packaging account:

1. Each pay cycle your payroll department deducts a nominated portion of your salary before tax is applied - and sends those funds to us

2. You can then use these funds to pay for your chosen benefits (e.g. superannuation, portable electronic devices, rent, mortgage etc.)

3. The rest of your salary gets taxed. However, because some of your salary has been taken out (to pay for your chosen expenses), you are taxed on a lower amount

4. Your post-tax salary is then deposited into your bank account - as usual

By getting taxed on a lower amount you could effectively be paying less tax and your disposable income could be increased. This could leave you with more to spend at each pay cycle.

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How will my HELP/HECS debt impact my salary packaging?

Salary packaging with a HELP/HECS debt

You could still potentially benefit from salary packaging even if you have a HELP (Higher Education Loan Program) or HECS (Higher Education Contribution Scheme) debt.

Understanding your 'adjusted taxable income'

Although salary packaging could reduce your taxable income (for the purpose of paying income tax), it could also increase the gross value of your salary. This is referred to as your 'adjusted taxable income'.

Your adjusted taxable income equals your salary plus the gross value of your fringe benefits.

How your adjusted taxable income impacts HELP and HECS repayments

The Australian Taxation Office (ATO) assesses you on your 'adjusted taxable income' when working out how much you should pay in HELP or HECS repayments. So with an increased gross salary, you may need to increase your regular HELP or HECS repayments, otherwise you may end up with a bill at tax time.

Before you start…

The Queensland Government strongly recommends prior to employees entering into or changing their Salary Packaging Agreement that they seek financial advice.

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Is it too good to be true?

Hundreds of thousands of Australians benefit from salary packaging every year.

Salary packaging has been permitted by the Australian Taxation Office (ATO) since 1986. Since then, it's been used to retain and reward employees who work in industries like health and charity.

Eventually this expanded into the private and public sectors, and now hundreds of thousands of Australians are enjoying the benefits.

The types of benefits you can salary package, and how much, depends on what your employer offers, as well as what is allowed for your particular industry.

Rest assured our tax and compliance specialists keep up-to-date with ATO rulings and developments in Fringe Benefits Tax legislation to ensure we are across any changes to salary packaging which may affect you.

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Is salary packaging easy to manage?

We take care of the hassles. You enjoy the benefits.

After we set up your salary packaging account, we also help you manage it. This means that we can pay for your nominated expenses on your behalf, or we can reimburse you using your pre-tax dollars.

A simple process at every pay cycle

1. Each pay cycle your payroll department deducts a nominated portion of your salary before tax is applied - and sends those funds to us

2. You can then use these funds to pay for your chosen benefits (e.g. superannuationportable electronic devicesrentmortgage  etc.)

3. The rest of your salary gets taxed. However, because some of your salary has been taken out (to pay for your chosen expenses), you are taxed on a lower amount

4. Your post-tax salary is then deposited into your bank account - as usual

View and adjust your account at any time

Your secure online account is accessible 24/7. Simply log in and you can: 

  • view your transactions
  • view your account balance
  • request changes to your account

 

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What are the benefits of salary packaging?

Pay with pre-tax money

When you salary package, you pay for some expenses - such as superannuation contributions - with your pre-tax salary.

By paying for your usual expenses using pre-tax dollars, you could reduce your taxable income, which may leave you with more money to spend on the things you want.

Unlock a wide range of benefits and make your pay go further

Through salary packaging you have access to a wide range of benefits which your employer provides as part of your remuneration package.

Find out what you’re eligible for and how salary packaging could help you stretch your salary.

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What are the key benefits of salary packaging?

Why do so many people say 'yes' to salary packaging?

Salary packaging is offered to reward staff for their loyalty and hard work.

Pay with pre-tax money

When you salary package, you pay for some expenses - such as electricty or professional development expenses - with your pre-tax salary.

So you still pay for your usual expenses, but because you're using pre-tax dollars you could be reducing your taxable income at the same time.

At each pay cycle you could have more money to spend on the things you want.

You may spend it on some stylish new clothes, a well-deserved weekend away - or to simply get on top of your ongoing bills. The choice is yours.

Ready to find out more?

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What if I don’t work full-time?

What happens if you work casual or part time?

The good news is you could still be eligible to salary package even if you are a casual or part time employee. If you are a casual employee there are some conditions, so please make sure you check the Queensland Government or Queensland Health Salary Packaging Information Booklet.

If you’re an eligible employee you could package 100% of your salary towards superannuation or 50% towards all other approved benefit items, meaning you may reduce the amount of tax that you pay.

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What is an FBT exemption cap?
FBT exemption cap

If you are eligible, you could salary package certain items under the Fringe Benefits Tax (FBT) exemption cap.

The FBT exemption cap limits the amount you can salary package within a FBT year (1 April to 31 March), without incurring FBT.
The cap applies to the combination of salary packaging benefits and non-salary packaging benefits (the latter being any fringe benefit provided by the employer outside of the salary packaging arrangements). However, any non-salary packaging benefits will be applied to the FBT exemption cap first.

Once you reach the FBT exemption cap, all future benefits will have FBT applied. Where FBT is payable this is the responsibility of the employee, including any liability that may be incurred as a result of salary packaging. To find out if you are eligible for the FBT exemption cap please review your employee information booklet.

What is the FBT exemption cap?

Eligible employees can salary package a range of benefits up to either $9,010 or $15,900 each FBT year. This amount assumes that the payments are not subject to GST. Where payments are subject to GST, this amount will be reduced to $8,231 or $14,525 respectfully.

Please be aware that any non-salary packaging benefits will reduce these limits.

In accordance with the Commonwealth FBT legislation not everyone is eligible to access the FBT exemption cap. Please refer to your employee information booklets for more details.

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What is FBT?

Fringe Benefits Tax is a tax on the benefits your employer provides you that are not in the form of cash salary or wages.  Under Federal Legislation, benefits provided by your employer are not subject to PAYG tax, but FBT may be payable on the benefits. Where FBT is payable this is the responsibility of the employee, including any liability that may be incurred as a result of salary packaging. The current FBT rate is 49%.

Most benefits attract FBT, however, the FBT Act determines that certain items, such as superannuation, professional membership and work related travel are FBT exempt.  This means that if you salary packaging these items no FBT is payable.  Your employer policy details its FBT status and the items that are offered to you as part of your salary packaging benefits.

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