Employer BYO-finance checker
Many employers let you source your own finance and use the appointed salary-packaging provider for payroll administration only — but it's rarely advertised. This is a community-sourced dataset: treat every entry as a lead to verify with your HR team, not as ground truth. HR teams: see the employer analytics dashboard.
Queensland Health
BYO appears restricted
Providers: RemServ, Smartsalary
Panel under Standing Offer Arrangement; community reports indicate external finance appears restricted.
Queensland Government (general)
BYO appears restricted
Providers: RemServ, Smartsalary
Community reports: BYO appears restricted.
Services Australia
BYO reported possible
Providers: Smartgroup panel
BYO finance reported as processed; use the panel administrator for payroll deductions only.
WA Government / WA Health
BYO reported possible
Providers: Panel providers
BYO pathways reported; conditions may apply per agency.
Victorian Government (VPS)
BYO reported possible
Providers: Panel providers
Enterprise agreement does not name a financier; BYO reported possible.
NSW Health
Unknown — ask HR
Providers: Maxxia (panel)
Panel arrangement; BYO status unknown — ask HR before assuming.
Australian Taxation Office
Unknown — ask HR
Providers: Smartgroup
Contract reported renewed with Smartgroup; BYO status unknown.
Department of Defence (APS)
BYO reported possible
Providers: Smartgroup
Community reports: external finance accepted for administration via panel.
NSW Government (general)
Unknown — ask HR
Providers: Maxxia, Smartgroup
Panel arrangement; BYO unclear.
University of Sydney
BYO reported possible
Providers: Maxxia, nlc
Community reports: BYO accepted; administration via panel provider.
University of Queensland
BYO appears restricted
Providers: RemServ
Aligned to QLD state arrangements; BYO reported restricted.
Commonwealth Bank
BYO reported possible
Providers: Smartgroup
Community reports: staff may source external finance; in-house offers also exist.
Westpac
Unknown — ask HR
Providers: Panel provider
BYO status unknown; internal finance products common.
Telstra
BYO reported possible
Providers: nlc
Community reports: BYO finance processed via nlc administration.
Atlassian
BYO reported possible
Providers: Multiple (open)
Tech-sector policies typically flexible; confirm current provider with People team.
Woolworths Group
BYO reported possible
Providers: Smartgroup
Community reports: BYO accepted for corporate staff.
CSIRO
BYO reported possible
Providers: Smartgroup
Community reports: external finance administered via panel.
Deloitte Australia
BYO reported possible
Providers: Multiple (open)
Professional services firms typically allow BYO finance.
Dataset status: seed/curated, mostly community confidence. Verified entries require documentary evidence. Updates are reviewed before publication (FR-016).