Our Services

The many ways we can help you

Salary Packaging

We offer a complete suite of products and services to help employees get more from their money, and make it easy for employers to reward their staff. Salary packaging lets employees access their pre-tax income to save on everyday expenses.

We can assist employers with:

  • Tax compliance and Policy
  • Identifying staff entitlements
  • Packaging administration
  • Education, training and guidance
  • Comprehensive and on-time reporting
  • Direct to employee claim benefits paid in one working day

Is salary packaging available to you?

If you’re an employee working for a FBT exempt employer (e.g. Not-for-Profit or Public Health) you can package living expenses such as mortgage payments, rent payments, etc., meal and entertainment expenses as well as a Novated Lease. If your employer holds a FBT rebate status, the suitability of benefits will depend somewhat on your income, but you will have access to a Novated Lease. To find out more about your eligibility, contact us today.

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Salary Packaging Card

A salary packaging card for everyday living expenses or meals & entertainment or even both is one of the simplest ways of maximising packaging benefits.

A Beyond Bank Australia Card means paying for everyday expenses out of pre-tax income is as easy as tap and go.

You get the convenience of a use anywhere card with the benefit of reducing your tax every time you shop, pay bills or book a holiday. And, with Beyond Bank’s CANSTAR Award Winning mobile app, you can manage your packaged card wherever you are.

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Business owners discussing expenses

Novated Leasing

Drive the car you want for less and save on your running costs with the comfort of knowing that we have the big expenses covered (e.g. tyres, major services, etc.) when they come due. A novated lease lets you use a combination of your pre-tax and post-tax income to finance a new, demo or used car (even your current car), saving you a bundle on tax and running costs.

We do all the legwork and paperwork to make the process as hassle-free as possible. As long as your employer agrees, most income earners can enjoy the benefits of a novated lease.

You don’t have to use the car for work purposes and you can even lease a second car for your partner or child. You also have the comfort that if you spend less during the lease term than what has been deducted from your pay, we refund the surplus to you through your payroll.

We can help you with:

  • Sourcing a new, demo or used car of your choice
  • Saving GST on dealership purchases
  • Bundling running costs such as servicing, repairs, tyres, registration and insurance
  • Issuing you with a multi-outlet fuel card
  • Comprehensive Insurance specifically tailored to a novated lease
  • Full disclosure so you know exactly what you will pay
  • No out-of-pocket expenses
  • Your choice of dealer, service centres and repairers local to you
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Car seller and buyer handshake at car dealership against a new car

Living Expenses

The cost of daily living just keeps going up, but did you know that you can use salary packaging to help offset your living expenses or other fixed costs? Depending on your employer and their tax status, you could access your pre-tax income to salary package a range of costs, fees and bills.

Some of the expenses you can package include:

  • mortgage payments
  • rent payments
  • school fees
  • childcare fees
  • council rates
  • personal loan repayments

To check your eligibility and the types of expenses you can claim, get in touch with one of our friendly team members.

Happy Family At Home

Remote Area Housing

Country life is pretty special in Australia, and for employees living and working outside of major regional centres, there are fringe benefits tax (FBT) advantages that can make that country living even more worthwhile.

If you live and work more than 40 kms from a small to medium-size town, or at least 100 kms from a regional centre you may be eligible for FBT concessions such as salary packaging half the interest on your mortgage, or half your monthly rent.

For eligible employees, payments are directed to your nominated bank account(s) and normally paid within 1 working day of your monthly claim. The ATO set the regulations eligibility, so if you’d like to check if you are eligible, please get in touch.

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Talking by country house

Meals & Entertainment

Did you know you can make the most of your pre-tax benefits by wining and dining, booking a holiday or having a celebration? It’s no wonder Meals & Entertainment is one of the most popular salary packaging benefits.

For employees in eligible industries, you can claim up to $2,650 of meals or travel as a pre-tax benefit each year. This reportable* benefit could not be easier or more fun to use.

How do you claim Meals & Entertainment?

  • Use your Beyond Bank Australia Meal Entertainment Card
  • Make your payments via a claim with itemised tax invoices
  • Make sure your meals are visible on the bill
  • Choose accommodation packages anywhere in Australia
  • Make sure your travel claims are packages – not just flights
  • Use it or lose it, as you only get a certain claimable amount each year

*Grossed up value of $5,000 reportable on PAYG summaries.

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Food and wine brings people together

Work-Related Expenses

We all know you can claim work-related expenses at tax time but did you know that you may be able to instantly claim on those expenses as an additional benefit on top of your salary packaging cap?

Work-related expenses can be a key benefit for hospital workers and employees in the charitable and not-for-profit sectors.

You could claim on work-related expenses including:

  • Home office equipment
  • Laptops & devices
  • Mobile phones
  • Software you use for work
  • Work-related travel expenses
  • ‘Tools of the trade’
  • Self-Education

Regardless of your employer, if your expense qualifies as work-related, or is an ‘otherwise deductible’, then this can be salary packaged during the year rather than waiting to claim it through your tax return. To find out if you are eligible, please give us a call.

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Home office employee