Frequently Asked Questions: Salary Packaging and EOFBTY
What if I don’t reach the cap limit within this FBT year?
If you have unspent funds in your salary packaging account on 31 March 2026, they will carry over for you to use in the new FBT year starting 1 April 2026. However, your annual cap limit will remain the same and won’t roll over for the new FBT year.
If I reach my FBT exemption cap early, what happens to my ongoing contributions?
Unless you advise us otherwise, RemServ will continue deducting your allocated salary packaging contributions from your pre-tax pay. These funds will accumulate in your RemServ account for you to spend in the new FBT year. Please keep in mind that any accumulated funds will be counted towards your new cap limit for next FBT year when you claim.
If you want to pause your contributions, you can email [email protected] to place a temporary hold on your payroll contributions for the remainder of this FBT year. They will then automatically recommence when the new FBT year starts on 1 April.
NOTE: Any changes to your account can take up to two pay cycles to come into effect.
What happens if I reach the FBT exemption cap early?
If your salary packaging account reaches your FBT exemption cap limit early, RemServ will notify you before the end of the FBT year with the available options you can consider taking to manage your account.
If you do reach your FBT exemption cap before 31 March, your ongoing payments for your capped benefits will be placed on hold. These payments will automatically resume on your first regular pay day in the new FBT year (from 1 April).
However, your salary packaging contributions will continue to be deducted from your pay and sent to your RemServ account for the remainder of the FBT year, unless you notify us otherwise. If you use these accumulated funds in the new FBT year (1 April 2026 – 31 March 2027), they will be counted towards your new exemption cap. Please remember the cap limit remains the same each year (for example, $9,010 for living expenses for eligible health workers). Any unspent funds carried into the new FBT year will form part of the new cap limit when you claim.
Please note that RemServ cannot make automatic catch-up payments for amounts missed while your regular payments are on hold, including home loan and rental expenses. During this time, please make alternative arrangements to manage your account and expenses until the new FBT year commences on 1 April.
If you reach the FBT cap, this won't affect payments to benefits which fall outside your FBT exemption limit, such as additional superannuation contributions, and work-related expenses such as professional memberships, self-education/professional development and/or portable electronic devices.
Which expenses can I salary package on top of the cap limits?
Depending on your employer, there may be additional benefits you can salary package that don’t impact the salary packaging cap.
These could include:
- Income protection insurance premiums
- Work related expenses such as phone, tablet or laptop computers
- Professional memberships
- Self-education/professional development expenses
It's worth finding out if there are other benefits you could salary package in case you're missing out on more potential savings.
How do I register and login to My RemServ for the first time?
- Search for My RemServ in your smartphone’s app store and download the app. Prefer to register online? Head to my.remserv.com.au.
- Start your registration by tapping ‘I don’t have a My RemServ login yet’, then select ‘Get Started’.
- Follow the prompts to confirm your email address and set up a secure password.
- Complete setup in the app: you’ll be guided to verify your phone number and set up a 4-digit PIN. You also have the option to enable Face ID or fingerprint login.
How do I check and track my benefits?
Regularly tracking your benefits allows you to monitor and make the most of your salary packaging.
Accessing your benefit details
From your dashboard, locate the benefit you’d like to track under the ‘My Salary Packaging benefits’ section. Select the benefit to open the benefit tracking screen where you can access your spend overview, transactions and more.
Tracking your benefits
On the ‘Benefit Details’ screen, you can view a graph showing monthly tracking against your budget as well as your available balance for claims. You can also access a description of the benefits and any related transactions.
How do I add a benefit?
On the dashboard, select ‘Salary Packaging Cap’ to open your ‘Salary Packaging Cap Tracker’, then:
- Click 'Add Benefit'
- Select from the available options and follow the prompts
- To add more than one new benefit, repeat as needed
- Enter the desired fortnightly amount for your benefit(s)
- Click 'Calculate your fees'
- Follow the prompts to finalise, ensuring you read the terms and conditions.
How do I amend my contributions?
On the dashboard, select ‘Salary Packaging Cap’ to open your ‘Salary Packaging Cap Tracker’, then:
- Click 'Manage'
- Review your cap utilisation and the suggested allocation(s) based on remaining pay cycles. You can also elect to remove benefits at this time.
- Update the desired fortnightly amount for each of your benefit(s)
- Click 'Calculate your fees'
- Follow the prompts to finalise, ensuring you read the terms and conditions.
How do I make and check claims?
Submitting claims allows you to be reimbursed for funds spent on expenses for which you have active benefits (for example, electricity or phone bills).
Starting and submitting a new claim
Scroll to the bottom of the dashboard and tap the ‘New Claim’ button. It’s a large blue button with a white plus in the centre.
Choosing reimbursement or direct to vendor
You will have the option of being reimbursed to your account if you have already paid for the expense, or requesting for us to relay the funds to the vendor on your behalf.
Providing details
You will be asked to choose the active benefit your claim is for before providing expense evidence – typically a tax invoice although other substantiation may be required.
Confirming or updating bank details
By default, your nominated bank account details will be pre-filled. You will be able to change your bank details; however, updates will apply to ALL pending and future claims.
Viewing your claims history
Once the claim is submitted, you will be able to track it through your transaction history. To access your history, tap the ‘Transactions’ button just to the right of the ‘New claim’ button. Then, select the ‘Claims status’ option at the top of the screen.
How do I check and update my bank account?
Updating your nominated bank account changes where reimbursements, claims, and all other salary packaging funds are sent.
Accessing your bank account details
Go to your profile settings, located at the bottom right of your dashboard. Click the ‘Settings’ link – accompanied by a gear icon – and then select ‘My details’.
Updating/adding a new bank account
- Select ‘Bank account’ and then follow the prompts to enter your new bank account details for salary packaging or novated leasing
- Enter the required details: Account name, BSB and Account number
- Double-check all entered information for accuracy.
Verifying your identity
You will be redirected to your browser to receive a one-time passcode (OTP) for verification, either via email or SMS.
Note: Ensure you’re certain about changing your bank details as this update will affect ALL future payments and pending claims for salary packaging or novated leasing.
What is the difference between balance and cap, and why does it matter?
Balance
Your balance is the amount available in your RemServ salary packaging account. This is an actual dollar figure made up of funds received from your payroll.
Cap
Your FBT exemption cap is the maximum amount you’re allowed to salary package each FBT year ($9,010 for eligible health workers) towards living expenses benefits, such as rent, mortgage or utilities.
Throughout the FBT year, your cap figure(s) will update to reflect the remaining amount of cap you can claim for the FBT year.
Why it matters
At the end of the FBT year, any funds available (your balance) in your salary packaging account will remain there for you to access in the new FBT year.
However, any cap limit remaining will not rollover into the new FBT year, which means you may lose the potential tax savings on the cap limit you have not used from the previous FBT year. When the new FBT year starts, your maximum cap limit will reset to $9,010 for eligible health workers, regardless of whether you claimed the maximum amount in the previous year.
How do I contact RemServ during the EOFBTY?
- View your account via My RemServ (app or online)
- Chat with us on LiveChat
- Email us at [email protected]
IMPORTANT INFORMATION: The general information in this page does not take into account any of your personal or financial circumstances. For advice specific to your personal or financial circumstances, please seek your own professional independent tax or financial advice.