Salary Packaging

Attract and retain

Your staff are the back bone of your organisation. We understand that your staff are just as important as the communities you help – and that’s why we’ve created an innovative range of salary solutions that make it easier for not-for-profits with Public Benevolent Institution (PBI) status to pay staff and administer salary packaging.

Keep all your salary packaging under one roof with our b-packaged® and b-optimised® accounts which help you attract and retain staff with competitive salaries.

b-packaged®

Fringe benefits and salary packages don’t have to be an administrative headache. Community Sector Banking’s low fee b-packaged debit Mastercard® makes the entire process simpler and is available to all not-for-profits with Public Benevolent Institution (PBI) status.

The b-packaged card allows employees to make payments with their card as part of their fringe benefits, instead of their taxable income, whilst also keeping track of spending and managing tax requirements.

The b-packaged card meets taxation requirements through an Australian Taxation Office Class Ruling (CR 2007/15).

star Features
star Features
Minimum balance of $1
Direct debit
Interest is calculated daily and credited to your account half-yearly
Available to organisations with Public Benevolent Institution (PBI) status
fees Fees
fees Fees
Account service $2 per month
Overdrawn account $27.50
Periodical payment rejection fee $20
Direct debit dishonour fee $40
Mastercard debit card $3 per month
Replacement card FREE
Refer to the fees & charges document for more information
percent Rates
percent Rates
Current interest rate 0.05% pa
Alcheringa Hostel
Swan Hill, VIC
Real solutions

We know you want to attract and retain great staff. Our salary packaging solutions were developed to help you manage their benefits and cut down on paperwork.

Popular Questions

Our salary-packaging products cannot be opened in Bendigo Bank branches. You will need to fill out the relevant forms and send them to our Customer Service and Engagement team.

For employers:
You will need the 'b-packaged Organisation Application Form', the 'Certified Identification Form' and the 'b-packaged Verifying Officer Form'.

For employees:
You will need the 'b-packaged Employee Application Form' and the 'Certified Identification Form'.

b-packaged is compliant in terms of taxation requirements through an Australian Taxation Office (ATO) Class Ruling (CR 2007/15).
The following is a list of restrictions that apply to the b-packaged account under the ATO Class Ruling:
• no cash withdrawals (including bank cheques)
• no cash deposits (only deposit to this account is made by the employer)
• no cheque book facilities
• no phone or internet banking facilities (restricted e-banking access only)
• cardholders cannot transfer funds into personal bank accounts
• no in-branch transactions
• no direct debits using card numbers
• no BPAY facility

For lost or stolen cards, contact Community Sector Banking on 1300 CSBANK (1300 272 265) anytime from 8:30am to 6pm AEST, Monday to Friday to report this and to cancel your b-packaged card. Outside of business hours, call 1800 035 383 (Free call) to report the loss or theft and cancel your b-packaged card.

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1300 CSBANK
1300 272 265
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