Frequently asked questions

There isn’t one. Salary packaging is a privilege available to employees of organisations with Public Benevolent Institution (PBI) or Health Promotion Charities (HPC) status. Policies and guidelines are set down by the Australian Taxation Office (ATO) so you can be assured that this benefit is an approved and legal option.

It’s easy to start salary packaging and save money with CBB. Here’s what you need to do:

• Check with your pay office that CBB is the official salary packaging provider for your organisation.
• Visit our online booking page to arrange an appointment with one of our friendly consultants. We can organise everything over the phone, then email you the paperwork you need to begin saving tax.
• Sign the forms we prepare for you and return these together with any further documentation we may need. Then we’ll create your salary packaging account!
• Start saving tax and see your take home pay increase by 6 – 12%.

The Fringe Benefit Tax (FBT) year commences on 1 April and ends on 31 March each year. This is different to the financial year which begins on 1 July and ends on 30 June.

You’ll find that salary packaging won’t affect the way that you complete your tax return. The only additional step that you will need to do is include your reportable fringe benefit amount (which appears in your payment summary) on your tax return.

Please visit our web page on Assessable Income to find out more.

Your ‘assessable’ income (reduced taxable income + fringe benefits) will be used to calculate your private health threshold or Medicare surcharge threshold.

It may potentially move you into the next income threshold and therefore impact the amount of health insurance rebate receive or the Medicare surcharge you must pay if you do not have private health.

To find out more about the income thresholds, please visit the following ATO links:

• Private health insurance rebate
• Medicare levy surcharge

If you need to change the amount of one of your regular payments just complete a new regular payment form. This is available on the manage my account page or by calling CBB Salary Packaging on 1300 763 505.

Yes, it is possible to change the way your salary packaging money is allocated. See ‘How do I change the amount of my regular payment?’ above. You can also change the amount of your salary packaging deductions. All you need to do is give CBB a call on 1300 763 505 or complete the necessary forms available on the Manage your CBB salary packaging account page.

If you need to set up a new regular payment, simply complete a Request a payment form (available on the Manage your CBB salary packaging account page) and email it to [email protected] along with proof of debt. Alternatively, you can contact our Customer Care Team for assistance on 1300 763 505.

If you need to cancel a regular payment, simply complete a Cancel a regular payment form (available on the Manage your CBB salary packaging account page) and email it to [email protected] along with proof of debt. Alternatively, you can contact our Customer Care Team for assistance on 1300 763 505.

Salary packaging funds can be paid to a debt. Examples of debts that can be paid with tax-free dollars include owner/occupier mortgages or rent, car or personal loans and school fees. In fact, just about any debt we are able to see proof of (which has an electronic payment facility) can be paid with salary packaged dollars.

Another popular option is to have your tax-free dollars loaded onto a CBB Salary Packaging Card each fortnight. This card is a prepaid Visa card and allows you to purchase goods and services anywhere Visa is accepted. For more information, you can contact our Customer Care Team on 1300 763 505.

Statements are available through this website by logging in to your CBB account. You should also receive an automated account statement via email each week, fortnight or month (depending on your salary packaging cycle). If you are not receiving these statements, please call our team on 1300 763 505.

You can use salary packaging to make voluntary repayments to your HECS/HELP debt. Voluntary repayments made through salary packaging are in addition to compulsory repayments that are done through your payroll department. To set up a voluntary payment to your HECS/HELP debt, simply complete a Request a payment form (available on the Manage your CBB salary packaging account page) and email it to [email protected] along with proof of debt. For further information, visit the ATO website.

Your CBB Salary Packaging Card is a prepaid Visa card and can be used wherever Visa is accepted within Australia and overseas. It can be used for credit card purchases at shops, over the phone and on the internet (using supplier websites) and at some utilities that allow payment of accounts by Visa. It cannot be used for BPay payments or to withdraw cash. Your spending is limited by the amount of money that has been placed on the card from your salary packaging account.

It cannot be used:

• to pay amounts off another credit card
• to pay your mortgage
• to pay other loans
• to purchase store credit cards
• for any other payments that cannot be paid on a credit card

You also cannot use your CBB Salary Packaging Card to transfer funds to other bank accounts including savings accounts. No cash advances or cash type transactions are permitted. This would be in breach of ATO legislation. CBB monitors your account and if you breach these conditions your CBB Salary Packaging Card may be cancelled.

You can keep track of your CBB Salary Packaging Card balance by either:

• Logging in to Beyond Bank Internet Banking, or
• Checking your balance via the Beyond Bank app, or
• Phoning Beyond Bank on 13 25 85.

Please note: CBB does not have access to card balances.

You can expect your new card(s) to be delivered within 10 working days of completing the Beyond Bank Membership Application.

On completion of your Beyond Bank Membership Application, your card will be ordered. The PIN will be mailed first, followed by the card (which will be inactive until you activate the card).

Once you have both your PIN and card, you will need to activate your card(s) in one of the following ways:

• In a branch (photo ID or Telephone Banking Passcode will be required)
• Call the Beyond Bank Customer Relationship Centre on 13 25 85 (your Telephone Banking Passcode will be required)
• Internet banking (your Internet Banking Passcode will be required). Select Card Services then Activate Card

Once the card is activated, the PIN can be changed. Only the cardholder can change the PIN.

Here are ways you can change the PIN:

• Via internet banking – Log on, then select Services then Card Management (the card must be activated before the PIN can be changed)
• Take the card to a Beyond Bank branch – you will require photo ID

If a PIN is incorrectly entered three times, the PIN will be inactive for 24-hour period. The card can still be used to payWave, as a PIN is not required.

Only the card holder can request a new PIN. Here are the options to gain a new PIN:

• Via Internet Banking – Log on and select Services then Card Management
• You can telephone Beyond Bank Customer Relationship Centre on 13 25 85 and request a new PIN to be posted to you. Your Telephone Banking Passcode will be required.
• Take the card to a Beyond Bank branch – you will require Photo ID to select a new PIN

Yes. Visa payWave can be used for individual purchases under $100.00 with a limit of $1,200.00 per day.

Visa payWave is a quick and convenient contactless method of payment. Featuring a distinctive contactless symbol, the Visa payWave card has a tiny antenna embedded into the chip which securely transmits purchase information.

Visa payWave can be used for individual purchases under $100 with a per day limit of $1,200.

If your card is lost or stolen, or if you believe your PIN has become known to someone else, it’s important to tell us immediately.

During business hours, phone Beyond Bank on 13 25 85 or visit your nearest branch. You can find the opening hours on the Beyond Bank website.

After hours, phone the Beyond Bank 24 Hour Card Hotline on 1800 648 027

If you are overseas, call the reverse charge Visa International 24 Hour Hotline on +61 2 8299 9101

If you have internet banking, you can update the status of the card to Lost or Stolen in Card Services then Update Card Status.

Beyond Bank are governed by the Visa International Operating Regulations. If there have been charges for goods or services you have not authorised, it is fraud.

You will need to complete a Visa Transaction Dispute Form available from a branch or by calling the Beyond Bank Customer Relationship Centre on 13 25 85. It may take up to 45 days for them to complete their investigation. Further information regarding the process is provided in the Beyond Bank Product Guide.

To set up or to keep track of your CBB Salary Packaging Card account transactions, logon to internet banking via the Beyond Bank website or contact Beyond Bank Australia on 13 25 85.

8am to 8pm (CST) weekdays
9am to 3pm (CST) on Saturdays
(All states – excluding national public holidays)

The Beyond Bank Customer Relationship Centre number is 13 25 85.

Beyond Bank Customer Relationship Centre consultants can assist with the following:

• Card balances and transaction history
• Change of address
• Report lost or stolen cards
• Requesting replacement cards
• Assistance with internet banking or mobile banking
• General enquiries regarding your card(s)
• Applications for products such as credit limits, home, personal and car loans
• Savings and Investment accounts, Community Banking accounts
• Arranging general insurance, including travel insurance
• Arranging to speak with one of our Financial Planners
• Foreign exchange and currency information
• Ordering statements or changing statement frequency (fees may apply)

The Beyond Bank Customer Relationship Centre number is 13 25 85.

Yes, it is called the Beyond Bank Account Information Line and the number is 13 14 02.

You can use the Account Information Line to hear card balances, hear the last 10 transactions on your card, change your telephone banking passcode, and hear branch locations.

To use the Account Information Line, simply follow these steps:

• Call 13 14 02
• Enter your membership number (bottom left of card) followed by the # key
• Enter your Telephone Banking Passcode followed by the # key
• After access has been granted, press * at any time to advance to the main menu

The overseas number for Account Information Line is +61 8 8274 4522.

Yes. You can login to Beyond Bank Internet Banking here. Online help and tours of the site are available for you on the Beyond Bank website.

Beyond Bank contact centre staff can also assist with navigation and trouble-shooting. The Beyond Bank Customer Relationship Centre number is 13 25 85.

Yes, mobile banking enhances the online banking experience by providing access via your smartphone or tablet and is available 24 hours a day, 7 days a week. To access mobile banking, simply download the Beyond Bank App which is available for iPad, iPhone and Android phones.

With mobile banking you can:

• View accounts, including transaction listing
• Establish and manage specific Push Notification Alerts

Yes. If the Beyond Bank mobile banking app is not an option, then Beyond Bank’s SMS banking service helps you keep track of your accounts by sending and receiving text messages on your mobile phone.

You can set up SMS Alerts via Internet Banking and choose from the different options listed.

All CBB customers are set up to receive monthly e-statements via Internet Banking.

Confirmation emails will be sent to clients each statement period, informing them that their e-statements are available for viewing through Internet Banking. If e-statements are not an option (e.g. no email address), then clients will receive paper statements every six months at no charge

If a client requires paper statements more frequently that six-monthly, then quarterly or monthly cycles are available. A fee of $1.00 per statement applies for monthly or quarterly statements.

Unfortunately, Bill Pay facilities are not available via internet banking. However, you are able to use your CBB Salary Packaging Card to pay your bills via the merchant’s website. For example, to pay a Telstra bill you will need to visit the Telstra website to make the payment.

Always use your 16 digit card number when making a payment to a third party using your CBB Salary Packaging Card. If a third party can’t accept a payment via this method then you will need to contact CBB on 1300 763 505 to make other arrangements for this payment to be made on your behalf.

Always select the Credit option or use payWave when making a purchase to ensure your transaction is approved.

The only payments that can be made to your card(s) are salary payments transferred direct from CBB. Any other payment will be rejected and returned.

The additional cardholders will have internet banking access via Beyond Bank to view CBB accounts where they have been nominated as an additional cardholder. With internet banking they can:

• Log on with their own membership number
• Change their contact details
• Set up alerts, e.g. SMS balance alerts
• Access statements

Additional cardholders can perform most functions apart from transact on the CBB account. They also cannot open further products, apply for loans, etc. using their membership number.

Taking advantage of this entitlement is easy; simply phone CBB’s Customer Care Team on 1300 763 505.

You can package up to $101.92 per fortnight ($2,650 per FBT year).

Read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Employees who salary package with CBB are able to salary package a further $2,650 per year for meal entertainment, holiday accommodation and venue hire expenses in addition to general salary packaging.

Please note: This benefit is only available to employees of organisations who have approved this benefit for their staff.

You can read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Yes. However, the funds on your CBB Meal Entertainment and Holiday Accommodation Card are in addition to your CBB Salary Packaging Card funds.

You can read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Yes, you can use the card to purchase meals and/or drinks for your family or friends and can also be used on accommodation where you were in attendance.

Yes. An additional card can be organised by calling our Customer Care team direct on 1300 763 505. Fees apply.

You can keep track of your CBB Meal Entertainment and Holiday Accommodation Card balance by:

• Logging in to Beyond Bank Internet Banking
• Checking your balance via the Beyond Bank app, or
• Phoning Beyond Bank on 13 25 85.

Please note: CBB does not have access to card balances.

Yes, but there may be additional costs applicable due to the currency exchange fees through Visa.

Yes, but only if catering for a special event. You will need to keep a record of the event and who attended, in case you are audited by the ATO. Your transaction history is maintained via your Beyond Bank Internet Banking for any future reference by you, your employer or the ATO.

Yes, but any online purchase must still fall within the guidelines of use. Any online purchases must be strictly for meals or accommodation only, for which you are in attendance.

You will be given 60 days from your termination date to spend the funds on your card.

Any unspent funds will be returned to your former employer and forwarded to you after being taxed accordingly.

Complete and submit a change to current deductions form to [email protected] (ensuring that you select Meal Entertainment/Holiday Accommodation).

There is no limit to how many times you can change the amount; however each organisation may have their own limits and this benefit is capped at a maximum of $2,650 per FBT year. Every time you change your packaging amount, CBB will contact your pay office and deductions will be actioned subject to employer approvals and constraints.

Salary Packaging may or may not impact your family assistance payments from Centrelink.

You must declare your reportable fringe benefit along with your taxable income when your income is being assessed. Our Customer Care Team will be able to prepare a salary packaging analysis that you can give to Centrelink. Call 1300 763 505 or send an enquiry to [email protected].

If you are unsure about anything, we recommend you speak to a Centrelink representative and or seek independent financial advice.

As the $2,650 benefit is reportable (grossed-up reportable amount of $5,000), it will increase your total assessable income. This could impact the calculation for repayment of the HECS/HELP/SFSS debt and the repayment may increase. To ensure your HECS/HELP/SFSS deduction is enough you are welcome to contact our Customer Care Team on 1300 763 505 or send an enquiry to [email protected].

We suggest you contact your financial advisor for advice where required.

The Fringe Benefit Tax (FBT) year commences on 1 April and ends on 31 March each year. This is different to the financial year which begins on 1 July and ends on 30 June.

ATO guidelines state that your salary packaging account and any cards (CBB Salary Packaging Card and/or CBB Meal Entertainment and Holiday Accommodation Card) should have a zero balance before 31 March each year

If you do not have a zero balance by 31 March, the amount you can salary package in the following FBT year may be reduced, as any money left on the card will be carried over to the following FBT year. This could affect your regular payments made from your salary packaging, such as your home loan or rental payments (if you have them paid from your salary packaging funds).

For example, if you have a CBB Meal Entertainment and Holiday Accommodation Card with a balance of $650 at the end of the 2020 FBT year, the amount you can package onto your card in the following 2021 FBT year is $2,000, rather than the maximum benefit amount of $2,650.

It is more beneficial for you to have a zero balance on your salary packaging account/cards by 31 March each year, as this will enable you to package the maximum benefit available to you in the following FBT year. This means more savings, and more money in your pocket.

You can check your salary packaging account balance by:

• Logging in to CBB’s customer login area
• Referring to your most recent statement, or
• Phoning our Customer Care Team on 1300 763 505.

Please note: CBB does not have access to CBB Salary Packaging Card and CBB Meal Entertainment and Holiday Accommodation Card balances.

You can keep track of your CBB Salary Packaging Card and CBB Meal Entertainment and Holiday Accommodation Card balances by:

• Logging in to Beyond Bank Internet Banking
• Checking your balance via the Beyond Bank app, or
• Phoning Beyond Bank on 13 25 85.

Please note: CBB does not have access to card balances

If your salary packaging funds are reimbursed to your bank account or paid to a home loan, personal loan, credit card, rent, etc., then your salary packaging account is regarded as having a zero balance. There is nothing further that you need to do at the end of the FBT year.

Some useful suggestions for how to spend your CBB Meal Entertainment and Holiday Accommodation Card funds are as follows:

• Purchase food and beverages for special occasions such as birthdays, engagements, weddings and anniversaries
• Take your partner, family or friends out for a meal
• Pay a deposit for a future holiday or celebration
• Purchase a meal gift voucher (such as restaurant or dining vouchers)

Some useful suggestions for how to spend your CBB Salary Packaging Card funds are as follows:

• Purchase retail shopping gift cards (from the retailer) e.g. Woolworths, Coles, Bunnings, Australia Post, clothing stores, etc.
• Pay for your weekly food shop
• Pay a deposit for a future holiday or celebration
• Pay school fees/memberships
• Pay your bills
• Pay off a lay-by

If you can’t find the answer you were looking for, simply contact our friendly Customer Care Team on 1300 763 505 on via email [email protected]