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Noel Whittaker Money columnist September 24, 2025 — 5.02am

I’m working and have some spare cash and I’d like to boost my super before I retire. Could you please explain how a tax-deductible contribution to super works? It’s confusing to know whether I simply transfer the money from my bank account into my super fund and then claim it as a deduction, or whether there’s a special form that has to be lodged first. I’d also like to know if it’s possible to borrow money from the bank to make a deductible contribution to super, or whether that would cause problems.

It should be only a matter of transferring the money to your super fund’s bank account. It would be an easy matter to find out what that is if you are a member.

I guess you

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