No. This is where Maxxia comes in: we take care of the hassles, and you enjoy the benefits. After we set up your salary packaging arrangements, we also manage them for you. This means that we pay for your nominated expenses on your behalf – using your pre-tax dollars. No more juggling bills and due dates!

In exchange for managing your salary packaging account, we charge an administration fee that is dependent on the benefit and agreed upon with your employer. All fees are paid out of your pre-tax dollars and don’t contribute to your cap limit or attract FBT.

A simple process at every pay cycle

Let’s recap what happens to your pay once you've set up a Maxxia salary packaging account:

• each pay cycle, your employer's payroll department deducts a nominated portion of your salary before tax is applied – and sends those funds to us
• you can then use these funds to pay for your chosen benefits (e.g. living expenses, mortgage payments, Meal Entertainment etc.)
• the rest of your salary gets taxed. However, because some of your salary has been taken out (to pay for your chosen expenses) you are taxed on a lower amount
• your post-tax salary is then deposited into your bank account as usual.

Treat it like a bank account

Although we pay for your expenses on your behalf, it's still important you know what's being paid and how much is in your salary packaging account at any time – just like you would your bank account. The Maxxia app and Maxxia Online (desktop) are accessible 24/7 and allows you to:

• view your transactions
• view your account balance
• change your details
• submit reimbursement claims