CBB is an Australian social enterprise specialising in salary packaging for not-for-profit organisations. With over 25 years of experience, CBB supports more than 1,100 charitable organisations to attract, reward, and retain their employees by offering a range of salary packaging solutions.

Mission: To champion better business practices that deliver real social impact. 

Vision: A thriving not-for-profit sector where every organisation can achieve its social objectives and make a lasting difference.

CBB is dedicated to supporting Australia’s not-for-profit sector. We work with charities, Public Benevolent Institutions (PBIs), and other like-minded organisations, helping them offer salary packaging products that improve the financial well-being of their employees.

By reinvesting our surplus back into the not-for-profit sector, CBB strengthens the capacity and sustainability of charitable organisations. Our work helps create measurable improvements in communities across Australia, ensuring that every dollar saved goes towards making a positive social impact.

Our services currently benefit:

• 81,000 customers who access salary packaging benefits
• $240 million in overall customer savings
• 1,414 novated leases that help employees save on vehicle costs
• 900 customers who enjoy Medibank Corporate Health Insurance discounts

CBB provides a wide range of salary packaging solutions, including:

• Salary packaging administration to help employees maximise their take-home pay
• Novated leasing for more affordable car ownership
• Electronic device packaging for tax-effective purchasing of laptops, phones, and more
• Remote area housing benefits for eligible employees
• Tax-free meals, entertainment, and venue hire options
• Corporate health insurance discounts

Our dedicated, Australia-based team of 90 professionals is passionate about providing personalised support. We work closely with not-for-profits and their employees, offering expert guidance to ensure everyone gets the most out of their salary packaging benefits.

CBB builds strategic partnerships with organisations that share our purpose-driven values. By working together, we create meaningful benefits for our customers and contribute to a stronger, more sustainable not-for-profit sector.

If your organisation is a not-for-profit or a registered Public Benevolent Institution (PBI), you can partner with CBB to offer salary packaging to your employees. Contact our team to discuss your eligibility and find out how to get started.

Choosing CBB means partnering with a provider that truly cares about you and your community. Our high customer satisfaction is reflected in our impressive Net Promoter Score of 67, well above industry benchmarks. This demonstrates that our clients trust and value the personalised service we deliver. 

At CBB, our not-for-profit focus means we reinvest in the community, ensuring that every dollar saved goes towards making a real, positive impact. Plus, our responsive and dedicated team is committed to tailoring our salary packaging solutions to suit your unique needs.

Salary packaging helps NFP employees increase their take-home pay, making their salaries more competitive. Many of our customers see it as a key reason to stay in the sector.

It’s easy to start salary packaging and save money with CBB. Here’s what you need to do: 

• Check with your pay office that CBB is the official salary packaging provider for your organisation.
• Visit our online booking page to arrange an appointment with one of our friendly consultants. We can organise everything over the phone, then email you the paperwork you need to begin saving tax.
• Sign the forms we prepare for you and return these together with any further documentation we may need. Then we’ll create your salary packaging account!
• Start saving tax and see your take home pay increase by 5 – 10%.

The Fringe Benefit Tax (FBT) year commences on 1 April and ends on 31 March each year. This is different to the financial year which begins on 1 July and ends on 30 June.

You’ll find that salary packaging won’t affect the way that you complete your tax return. The only additional step that you will need to do is include your reportable fringe benefit amount (which appears in your payment summary) on your tax return.

If you need to change the amount of one of your regular payments just complete a new regular payment form. This is available on the Resources page or by calling CBB Salary Packaging on 1300 763 505.

Yes, it is possible to change the way your salary packaging money is allocated. See ‘How do I change the amount of my regular payment?’ above. You can also change the amount of your salary packaging deductions. All you need to do is give CBB a call on 1300 763 505 or complete the necessary forms available on the Resources page.

If you need to set up a new regular payment, simply complete a Request a payment form (available on the Resources page) and email it to customercare@cbb.com.au along with proof of debt. Alternatively, you can contact our Customer Care Team for assistance on 1300 763 505.

If you need to cancel a regular payment, simply complete a Cancel a regular payment form (available on the Resources page) and email it to customercare@cbb.com.au along with proof of debt. Alternatively, you can contact our Customer Care Team for assistance on 1300 763 505.

Statements are available through this website by logging in to your CBB account. You should also receive an automated account statement via email each week, fortnight or month (depending on your salary packaging cycle). If you are not receiving these statements, please call our team on 1300 763 505.

Salary packaging, also known as salary sacrifice, is an arrangement where a portion of your salary is used to pay for benefits before tax is deducted. This reduces your taxable income, which can boost your take-home pay.

Employees working for organisations registered as Public Benevolent Institutions (PBIs) with the Australian Charities and Not-for-profits Commission (ACNC) are eligible for salary packaging.

To qualify as a PBI, an organisation must:

• Meet the legal definition of a charity
• Have a primary purpose of providing benevolent relief, such as assisting those in poverty or distress
• Deliver its own services or engage others to deliver them
• Demonstrate that its services provide a significant benefit to the community

Employees of eligible organisations can package up to $15,900 per annum in tax-free benefits. These benefits may include:

• Tax-free meals, holiday accommodation, and venue hire
• Novated vehicle leasing
• Electronic devices (such as laptops, phones, and tablets)
• Remote area housing benefits and travel claims (for eligible employees)
• Discounted airline lounge memberships
• Special discounts and offers through CBB partners

By paying for certain expenses with pre-tax dollars, salary packaging lowers your taxable income. This means you pay less tax overall, which increases your take-home pay.

If your employer is eligible, you can start salary packaging through CBB. Simply get in touch with our team to set up an account and begin enjoying the benefits.

Yes, you can update or change your salary packaging arrangements at no extra cost.

If your organisation is a charity but isn’t yet a PBI, you may be able to apply for PBI status through the ACNC Charity Portal. Once approved, the ATO will endorse your organisation, enabling you to offer salary packaging to employees.

When you use salary packaging, the money you spend on approved benefits is taken out of your income before tax is calculated. This means you pay tax on a lower amount of your salary. However, the value of these benefits is still shown on your income statement as a Reportable Fringe Benefits Amount (RFBA).

Even though this RFBA isn’t taxed, the government uses it to help work out other income tests, like whether you need to repay HECS-HELP, or if you qualify for Family Assistance or Child Care Subsidies.

No—you don’t. Whether you work full time, part time, or casually, if you pay income tax, you could benefit from salary packaging.

For more details on salary packaging and how it can benefit you, contact our helpful customer service team on 1300 763 505.

This benefit lets you salary package dining and holiday accommodation expenses up to $2,650 per Fringe Benefits Tax (FBT) year. It’s a great way to enjoy your meals out and holiday stays with some tax savings.

You can use this benefit for: 

• Dining at restaurants and cafés
• Food and drinks for special events (like weddings or birthdays)
• Hotel stays, resorts, and holiday apartments

This benefit does not cover:

• Takeaway food or alcohol purchased from bottle shops
• Flights and travel costs
• Tickets for concerts, sporting events, or theatre shows

Once you’re approved, you’ll receive a CBB Meal Entertainment and Holiday Accommodation Card, which can be used at approved venues.

Taking advantage of this entitlement is easy; simply phone CBB’s Customer Care Team on 1300 763 505.

You can package up to $101.92 per fortnight ($2,650 per FBT year).

Read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Employees who salary package with CBB are able to salary package a further $2,650 per year for meal entertainment, holiday accommodation and venue hire expenses in addition to general salary packaging.

Please note: This benefit is only available to employees of organisations who have approved this benefit for their staff.

You can read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Yes. However, the funds on your CBB Meal Entertainment and Holiday Accommodation Card are in addition to your CBB Salary Packaging Card funds.

You can read more about the CBB Meal Entertainment and Holiday Accommodation Card here.

Yes, you can use the card to purchase meals and/or drinks for your family or friends and can also be used on accommodation where you were in attendance.

Yes. An additional card can be organised by calling our Customer Care team direct on 1300 763 505. Fees apply.

You can keep track of your CBB Meal Entertainment and Holiday Accommodation Card balance by: 

• Logging in to Beyond Bank Internet Banking
• Checking your balance via the Beyond Bank app, or
• Phoning Beyond Bank on 13 25 85.

Yes, but there may be additional costs applicable due to the currency exchange fees through Visa.

Yes, but only if catering for a special event. You will need to keep a record of the event and who attended, in case you are audited by the ATO. Your transaction history is maintained via your Beyond Bank Internet Banking for any future reference by you, your employer or the ATO.

Yes, but any online purchase must still fall within the guidelines of use. Any online purchases must be strictly for meals or accommodation only, for which you are in attendance.

You will be given 60 days from your termination date to spend the funds on your card.

Any unspent funds will be returned to your former employer and forwarded to you after being taxed accordingly.

Complete and submit a Change to current deductions form to customercare@cbb.com.au (ensuring that you select Meal Entertainment/Holiday Accommodation). Forms can be found on the Resources page.

There is no limit to how many times you can change the amount; however each organisation may have their own limits and this benefit is capped at a maximum of $2,650 per FBT year. Every time you change your packaging amount, CBB will contact your pay office and deductions will be actioned subject to employer approvals and constraints.

Salary Packaging may or may not impact your family assistance payments from Centrelink.

You must declare your reportable fringe benefit along with your taxable income when your income is being assessed. Our Customer Care Team will be able to prepare a salary packaging analysis that you can give to Centrelink. Call 1300 763 505 or send an enquiry to customercare@cbb.com.au.

If you are unsure about anything, we recommend you speak to a Centrelink representative and or seek independent financial advice.

As the $2,650 benefit is reportable (grossed-up reportable amount of $5,000), it will increase your total assessable income. This could impact the calculation for repayment of the HECS/HELP/SFSS debt and the repayment may increase. To ensure your HECS/HELP/SFSS deduction is enough you are welcome to contact our Customer Care Team on 1300 763 505 or send an enquiry to customercare@cbb.com.au.

We suggest you contact your financial advisor for advice where required.

Novated leasing is a popular, tax-effective way to finance a car. It’s a three-way agreement between you, your employer, and a finance provider, where your employer deducts the lease payments from your pre-tax salary—lowering your taxable income and reducing your overall tax burden.

You choose the vehicle and agree on the lease terms, which typically include bundled running costs such as fuel, maintenance, insurance, registration, and servicing. Your employer then makes the lease payments from your pre-tax income, making the process straightforward and convenient.

The key benefits include substantial tax savings by using your pre-tax income, access to discounts on fuel, servicing, and insurance, and GST savings on the purchase price. Additionally, many packages offer fuel card discounts and special rates on electric vehicles, making car ownership both affordable and environmentally friendly.

In most cases, a novated lease covers all running costs—including fuel, maintenance, insurance, registration, and servicing—so you benefit from a single, manageable monthly payment that simplifies budgeting and keeps your expenses in check.

Absolutely. A novated lease provides the flexibility to use your car for both work and personal purposes, and you can even allow other drivers to use it. Plus, you get to choose the car that best fits your lifestyle.

It’s subject to approval by the financier of course, but yes, as long as you can comfortably make repayments, there are no limits on the make or model of the car you prefer. You can choose a new or used car through a dealership (and save GST) or a used car from a private seller or the one you are currently driving.

Some employers prefer that their employees don’t lease luxury vehicles, so have a chat with us and we’ll speak with them.

The ATO are particular about this, you’ll be leasing the vehicle therefore there is a residual value at the end of the lease term. When you get to the end of the lease, you’ll have a range of options to finalise the lease. You can pay the residual amount and own the car outright, refinance the residual and extend the lease, sell the car, pay the residual and start a new lease or trade the car in and start a new lease.

We’ll be there for you to talk through your options.

Simply contact CBB for a personalised quote. We’ll work directly with your employer to handle all the necessary paperwork, ensuring a smooth, stress-free process so you can quickly start enjoying the benefits.

We offer an easy-to-use novated leasing calculator that lets you input your details to see exactly how much you could save each month. It’s a great tool to demonstrate the boost to your take-home pay and overall affordability of your new vehicle.

Your CBB Salary Packaging Card is a prepaid Visa card and can be used wherever Visa is accepted within Australia and overseas. It can be used for credit card purchases at shops, over the phone and on the internet (using supplier websites) and at some utilities that allow payment of accounts by Visa. It cannot be used for BPay payments or to withdraw cash. Your spending is limited by the amount of money that has been placed on the card from your salary packaging account.

It cannot be used:

• to pay amounts off another credit card
• to pay your mortgage
• to pay other loans
• to purchase store credit cards
• for any other payments that cannot be paid on a credit card 

You also cannot use your CBB Salary Packaging Card to transfer funds to other bank accounts including savings accounts. No cash advances or cash type transactions are permitted. This would be in breach of ATO legislation. CBB monitors your account and if you breach these conditions your CBB Salary Packaging Card may be cancelled.

You can keep track of your CBB Salary Packaging Card balance by either:

• Logging in to Beyond Bank Internet Banking, or
• Checking your balance via the Beyond Bank app, or
• Phoning Beyond Bank on 13 25 85.

Please note: CBB does not have access to card balances.

You can expect your new card(s) to be delivered within 10 working days of completing the Beyond Bank Membership Application.

On completion of your Beyond Bank Membership Application, your card will be ordered. The PIN will be mailed first, followed by the card (which will be inactive until you activate the card).

Once you have both your PIN and card, you will need to activate your card(s) in one of the following ways:

• In a branch (photo ID or Telephone Banking Passcode will be required)
• Call the Beyond Bank Customer Relationship Centre on 13 25 85 (your Telephone Banking Passcode will be required)
• Internet banking (your Internet Banking Passcode will be required). Select Card Services then Activate Card

Once the card is activated, the PIN can be changed. Only the cardholder can change the PIN.

Here are ways you can change the PIN:

• Via internet banking – Log on, then select Services then Card Management (the card must be activated before the PIN can be changed)
• Take the card to a Beyond Bank branch – you will require photo ID

If your card is lost or stolen, or if you believe your PIN has become known to someone else, it’s important to tell us immediately.

During business hours, phone Beyond Bank on 13 25 85 or visit your nearest branch. You can find the opening hours on the Beyond Bank website.

After hours, phone the Beyond Bank 24 Hour Card Hotline on 1800 648 027.

If you are overseas, call the reverse charge Visa International 24 Hour Hotline on +61 2 8299 9101.

If you have internet banking, you can update the status of the card to Lost or Stolen in Card Services then Update Card Status.

Beyond Bank are governed by the Visa International Operating Regulations. If there have been charges for goods or services you have not authorised, it is fraud.

You will need to complete a Visa Transaction Dispute Form available from a branch or by calling the Beyond Bank Customer Relationship Centre on 13 25 85. It may take up to 45 days for them to complete their investigation. Further information regarding the process is provided in the Beyond Bank Product Guide.

To set up or to keep track of your CBB Salary Packaging Card account transactions, logon to internet banking via the Beyond Bank website or contact Beyond Bank Australia on 13 25 85.

All CBB customers are set up to receive monthly e-statements via Internet Banking.

Confirmation emails will be sent to clients each statement period, informing them that their e-statements are available for viewing through Internet Banking. If e-statements are not an option (e.g. no email address), then clients will receive paper statements every six months at no charge.

If a client requires paper statements more frequently that six-monthly, then quarterly or monthly cycles are available. A fee of $1.00 per statement applies for monthly or quarterly statements.

Unfortunately, Bill Pay facilities are not available via internet banking. However, you are able to use your CBB Salary Packaging Card to pay your bills via the merchant’s website. For example, to pay a Telstra bill you will need to visit the Telstra website to make the payment.

Always use your 16 digit card number when making a payment to a third party using your CBB Salary Packaging Card. If a third party can’t accept a payment via this method then you will need to contact CBB on 1300 763 505 to make other arrangements for this payment to be made on your behalf.

Always select the Credit option or use payWave when making a purchase to ensure your transaction is approved.

The only payments that can be made to your card(s) are salary payments transferred direct from CBB. Any other payment will be rejected and returned.

The additional cardholders will have internet banking access via Beyond Bank to view CBB accounts where they have been nominated as an additional cardholder. With internet banking they can:

• Log on with their own membership number
• Change their contact details
• Set up alerts, e.g. SMS balance alerts
• Access statements

Additional cardholders can perform most functions apart from transact on the CBB account. They also cannot open further products, apply for loans, etc. using their membership number.

You can salary package memberships and subscriptions that are directly related to your job.

First, pay for your membership or subscription out of pocket. Then, simply submit your receipt to CBB for reimbursement through your salary packaging arrangement.

Yes, you can package multiple memberships within the same FBT year, so you can cover a range of professional expenses.

You can package eligible portable devices such as:

• Laptops
• Tablets and mobile phones
• Smartwatches
• Bluetooth headphones

Purchase the device, then submit your receipt to CBB for reimbursement through your salary packaging arrangement.

Yes, keep in mind that:

• The device must be primarily used for work
• You can package a maximum of six devices per FBT year
• Accessories and software aren’t included under this benefit

If you live and work in a remote area, you might be able to salary package up to 50% of certain expenses. This benefit is designed to help offset the higher living and travel costs often associated with remote areas.

You must both live and work in a remote area as defined by the Australian Tax Office (ATO). If you’re unsure whether your area qualifies, you can check the ATO website or speak with one of our consultants.

Eligible expenses include:

• Rent or mortgage interest payments
• Household fuels (such as gas, electricity, wood, or oil)
• Personal travel to and from your remote location

It’s simple—just contact one of our CBB Consultants, who will guide you through the process and help you understand how much you can package.

Medibank Corporate Cover is a group insurance benefit that provides tax-effective ways to pay for your health insurance. With this benefit, you can enjoy:

• 9% off your health insurance premium
• 80% back on extras cover (subject to limits)
• 100% back on glasses (up to $300 per year)
• Additional discounts on travel, pet, and life insurance

The car parking benefit lets you use your pre-tax salary to cover the cost of car parking near your work. This means you can potentially reduce your taxable income and save money if you regularly pay for parking.

You can claim this benefit if the parking costs are incurred for your own work-related needs. It’s important to note that parking expenses for family members or non-work-related parking aren’t eligible.

To claim the benefit, simply fill out a claim form and attach your paid tax invoice or parking receipts. This documentation proves that the expense is legitimate and related to your work.

Yes, if you travel for work, you may be eligible to package the cost of airline lounge memberships with providers like Qantas and Virgin.

The benefits include:

• Discounted membership fees through our partnership with Corporate Traveller
• The ability to use your lounge membership for both business and personal travel

Even if your travel is primarily personal, you can still take advantage of the discounted rates. However, the tax savings only apply if the membership is used mainly for work-related travel.

The Fringe Benefit Tax (FBT) year commences on 1 April and ends on 31 March each year. This is different to the financial year which begins on 1 July and ends on 30 June.

ATO guidelines state that your salary packaging account and any cards (CBB Salary Packaging Card and/or CBB Meal Entertainment and Holiday Accommodation Card) should have a zero balance before 31 March each year.

If you do not have a zero balance by 31 March, the amount you can salary package in the following FBT year may be reduced, as any money left on the card will be carried over to the following FBT year. This could affect your regular payments made from your salary packaging, such as your home loan or rental payments (if you have them paid from your salary packaging funds).

For example, if you have a CBB Meal Entertainment and Holiday Accommodation Card with a balance of $650 at the end of the 2020 FBT year, the amount you can package onto your card in the following 2021 FBT year is $2,000, rather than the maximum benefit amount of $2,650.

It is more beneficial for you to have a zero balance on your salary packaging account/cards by 31 March each year, as this will enable you to package the maximum benefit available to you in the following FBT year. This means more savings, and more money in your pocket.

You can check your salary packaging account balance by:

• Logging in to CBB’s customer login area
• Referring to your most recent statement, or
• Phoning our Customer Care Team on 1300 763 505.

Please note: CBB does not have access to CBB Salary Packaging Card and CBB Meal Entertainment and Holiday Accommodation Card balances.

If your salary packaging funds are reimbursed to your bank account or paid to a home loan, personal loan, credit card, rent, etc., then your salary packaging account is regarded as having a zero balance. There is nothing further that you need to do at the end of the FBT year.

Some useful suggestions for how to spend your CBB Meal Entertainment and Holiday Accommodation Card funds are as follows:

• Purchase food and beverages for special occasions such as birthdays, engagements, weddings and anniversaries
• Take your partner, family or friends out for a meal
• Pay a deposit for a future holiday or celebration
• Purchase a meal gift voucher (such as restaurant or dining vouchers)

Some useful suggestions for how to spend your CBB Salary Packaging Card funds are as follows:

• Purchase retail shopping gift cards (from the retailer) e.g. Woolworths, Coles, Bunnings, Australia Post, clothing stores, etc.
• Pay for your weekly food shop
• Pay a deposit for a future holiday or celebration
• Pay school fees/memberships
• Pay your bills
• Pay off a lay-by

If you can’t find the answer you were looking for, simply contact our friendly Customer Care Team on 1300 763 505 on via email customercare@cbb.com.au.