Employer & Personal Contributions

How do I tell my employer to pay my super to my SMSF?

When your SMSF is set up we will provide you the necessary details to pass on to your employer or payroll office for them to direct your future super contributions to your Stake Super account.

You can also complete a Superannuation Standard Choice Form from the ATO (some employers require this).

Some employers may also require an ‘ESA Notification Letter’ which we can also provide on request.

What is the Electronic Service Address (ESA) for my SMSF?

At Stake Super our default ESA is: smsfdataflow

Note - The ESA is case sensitive and must be in lowercase in your employer’s payroll software.

What is an ESA notification letter?

Some employers may also require an ‘ESA Notification Letter’ which we can also provide on request. It is a template letter confirming the ESA as ‘smsfdataflow’ and also provides your bank details for payment.

Can I transfer US stocks under my personal account to my SMSF?

With Stake you can request personally held listed stocks or ETFs be transferred to your SMSF account however you cannot transfer holdings out of your SMSF until you meet the condition of release and your SMSF deed permits you to do so. Also be aware that the consideration amount on the signed off-market transfer form should be at market value and may be counted as a contribution to your SMSF and count towards your contribution caps.

How can I check the contributions paid to my SMSF?

Tracking your contributions against your contribution caps is your responsibility. You can see contribution transactions to your SMSF via your SMSF cash account.

How do I make personal contributions to my SMSF?

To make additional personal concessional contributions, deposit into your Stake SMSF AUD Account and use the following format as the transaction description:

XX PCC

Or in the case of non-concessional contributions the transaction description would be:

XX PNCC

(Replace the "XX" with the contributing member's initials).

The above description will assist our accountants to correctly process your contributions.

After 30 June you can either download the Notice of Intent to Claim Form from the ATO yourself, or request that we generate it from our system and send it to you.

Otherwise, we will include a completed copy in our EOFY package.

You or your personal tax accountant will need a completed form before you lodge your personal income tax return. Only one form needs to be completed per tax year covering all contributions made.

You are responsible for tracking your contributions against your contribution caps.

How much can I contribute to my SMSF?

Contributions caps are currently $30,000, per financial year (FY25) for concessional contributions and $120,000 per financial year (FY25) for non-concessional contributions.

These caps are subject to indexation and carry-forward contributions also are available.

Refer to the ATO website for further information: Contributions and Rollovers

How do I claim a deduction for personal contributions paid to my SMSF?

You need to make the payment to your SMSF cash account and complete an ATO s290-170 form prior to lodging your personal income tax return for the financial year in which you will claim a tax deduction.