But this year, you can give them something that won’t break, won’t be outgrown, and won’t go out of style: a boost to their super.

A small contribution now can grow for decades, helping to set them up with a financial head start their future selves will genuinely appreciate. It’s the kind of gift that keeps giving long after the wrapping paper is gone.

Why it makes sense

1. Compound growth over time

Super is a long-term investment. Even modest contributions made when your child is young can grow significantly, potentially leading to a larger balance by retirement. Learn more >

2. After-tax contributions are easy

CareSuper allows after-tax (non-concessional) contributions — money you’ve already paid tax on — to be added to a super account. You can use their BPAY® which can be found in their Member Online account (you’ll have to ask them to log on and provide these). 

3.Tax-effective growth within the rules

By keeping contributions within their super contribution limits, your child’s money can grow in a tax-effective environment — helping more of their savings stay invested and working for their future.

How to do it — a step-by-step guide 

1. Confirm their super account

Make sure your child has a CareSuper account and that their TFN (Tax File Number) is provided — this is required to accept personal contributions. 
Learn more >

2. Get their BPAY details

Ask them to log in to CareSuper Member Online, go to Make Contributions → Personal Contributions, and find your biller code and reference number. 

Learn more >

3. Make the contribution

Use your banking app or online banking to pay via BPAY. You can do a one-off or set up recurring payments. 

4. Stay under the caps

Be sure to check how much you’re contributing so you don’t exceed CareSuper’s contribution limits (which align with ATO caps).