Solutions Card FAQs

How Does the Solution Card work?

Your employer deducts an agreed amount from your salary every pay and transfers it to us . We then add this money to your Solutions Card and it’s usually available for you to spend by in the early hours of the following day.

With a Solutions Card you don’t need to worry about submitting claims or receipts. Your account balance is updated as you spend, with statements available online showing a detailed transaction history.

The Solutions is managed by Westpac and you can check your real-time balance any time on Westpac Live. To find about Westpac Live registration process refer to Westpac FAQ’s.

What happens to my funds if I don't spend them by March 31?

Any funds remaining as of March 31, gets carried forward to the next FBT year and if so, reduce next year’s allowed threshold. So, in order to get maximum benefits of Salary Packaging we encourage you spend your card balances by March 31 or contact us to discuss other options.

Is there a limit to how much money I can put on the Solutions Card?

You’re allowed to package the full tax-free limit to your Solutions Card each FBT year. If you work for a charity or public benevolent institution your tax-free limit is $15,900 and if you work for a public or private not-for-profit hospital your tax-free limit is $9,010.

To make the most of your tax-free benefit, you need to spend all money on your card by 31 March each year.

Is there anything I can’t use my Solutions Card for?

You can’t use your Solutions Card for cash advances of any kind, or to transfer cash online to any other account. You also can’t use the card to pay an existing credit card bill.

Can I set up regular payments from my Solutions Card?

Yes, you can set up regular payments from the card for expenses such as insurances premiums, subscriptions or sports memberships. However apart from your pre-tax salary no other funds can be added to the card.

Can I use my Solutions Card with PayPal?

Yes, you can use your Solutions Card to make purchases via PayPal however you cannot receive payments into a PayPal account that is linked to your Solutions Card.

How do I change my Solutions Card PIN?

The Solutions Card is managed by Westpac. If you need to change your PIN log in to your Westpac Live account online or contact Westpac on 1300 650 107 (8am – 8pm ACST 7 Days).

Why is my card balance delayed on my online RACV Salary Solutions account?

As the Solutions Card is managed by Westpac, there can be a delay of up to 24 hours on balance information coming through to your RACV Salary Solutions online account. For the most up-to-date balance on your Solutions Card login to your Westpac Live account.

What if my card is lost or stolen?

If your Solutions Card is lost or stolen contact Westpac as soon as possible on 1300 650 107 (8am – 8pm ACST 7 Days).