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Leah Kidd

Side Menu Update

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Sniip Side Menu Update

Sniip Side Menu
At the Sniip HQ, we’ve been hard at work fine-tuning the app based on your valuable feedback and suggestions. As a mobile bill payments platform, we understand the importance of providing our users with the most convenient experience possible (every little thing counts, including the side menu)! 
 
So, we’re delighted to present two new additions to the Side Menu that will make using Sniip an absolute breeze. 

Update Overview

After updating your Sniip app, you’ll be able to view a short, interactive video demonstration of the changes we’ve implemented! These changes include:

  • We removed the ‘close’ button
  • Icons are now on the left side to improve readability
  • A ‘Help’ hub has been added to the menu
  • The ‘Log out’ button added to the bottom of the menu

With a bold decision, we’ve bid farewell to the traditional ‘X’ exit icon located at the top of the menu. Embracing a more user-centric approach, we introduce a noteworthy enhancement to the menu’s functionality and convenience.

From now on, navigating away from the menu is effortless and intuitive. You are no longer confined to searching for the small ‘X’. Now, you can simply swipe left or tap anywhere outside the menu to close it. This process ensures a seamless user experience, allowing you to focus on what matters most. Say hello to improved navigation and a smoother interaction with our revamped functionality!

We understand that sometimes questions may arise while using Sniip. And we pride ourselves on our prompt customer support. That’s why we’ve added a dedicated ‘Help’ hub to the menu. Now, getting in touch with our support team is just a tap away! 

Whether you have a query, need assistance, or want to provide feedback, our team is here to help you every step of the way.

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Sniip in the Herald Sun: Earn Points Paying Tax

Press Release
Earn Points Paying Tax

Earn Points Paying Tax

An article by the Herald Sun

Wondering how to earn points paying tax? Sniip is emphasised by the Herald Sun for maximising credit card rewards on government payments. The article highlights Sniip’s cost-effectiveness while earning full credit card points on government transactions. 

The article emphasises that Sniip offers a platform for individuals and businesses alike to pay BPAY payments using their preferred credit cards. By utilising the Sniip platform, you can earn valuable credit card rewards while making government transactions such as ATO payments, superannuation, and HECS/HELP repayments. 

Unlike traditional methods of tax payment that often come with capped or no credit card points, Sniip has emerged as a groundbreaking solution, providing their users with the opportunity to maximise credit card rewards.  

"What do I do if my credit card doesn’t earn points? There are a couple of bill payment services such as Sniip which allow you to use any credit card to pay bills."

Earn Points Paying Tax

Key advantages of Sniip include:

  1. Full Credit Card Points: Individuals can earn full credit card reward points on every government payment, ensuring that they make the most of their spending.

  2. No Hidden Fees: Sniip stands out by offering transparent pricing, without any hidden fees or extra charges, making it an economically sound choice for individuals and businesses.

  3. Payments for anyone: Sniip caters to both business and individuals, so everyone can earn credit card rewards on all transactions.

As a pioneer in the industry, Sniip continues to revolutionise how people approach financial transactions, offering unmatched convenience and value.

You can read the Herald Sun article here. 

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Is One of These Yours? Top Questions Answered

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Your most frequently asked questions answered!

sniip receipt

Contents:

  1. Why can’t I see my Sniip Receipt immediately after I make a payment?
  2. Are Sniip bill payments treated as a cash advance?
  3. I made a payment to the ATO but it’s not appearing on the ATO portal – should I be worried?
  4. I added a biller and it’s coming up as blocked, why? Can I get this reviewed?

  5. One of my friends has a green ‘Verified’ tick on their Sniip account, how do I get this? 

When I make a payment I can’t see my Sniip receipt immediately, what’s the deal?

Don’t worry! After you send your payment to your biller (allow one to two business days), your Sniip receipt will appear.

In the meantime, you can review your payment under the ‘Paid’ tab in your ‘Bills’ section within the Sniip app.

After a successful payment, the Sniip app will store a transaction receipt under the ‘Receipts’ tab. This receipt shows the funds sent to your biller, and the biller must acknowledge the date stamped on the receipt as the date the payment was made.

Sniip receipt

Sniip receipt

Are Sniip bill payments treated as a cash advance?

This is one of the most commonly asked questions about Sniip on Google right now. The answer is no – Sniip bill payments are absolutely not treated as a cash advance. 

It comes down to the way we process your payment. Sniip creates as a two-legged transaction:

  1. You pay into the Sniip Trust Account.
  2. Sniip pays your biller (e.g. ATO) from that Trust Account on your behalf.

Because the funds are cleared in the trust account, your payment is treated as a normal credit card purchase, not a cash advance.

If you have a rewards (loyalty points) earning credit card, you will earn points on the first leg of the transaction (payment into trust account) even if your chosen payment method is not accepted directly by your biller. That’s the magic of Sniip!

I made a payment to the ATO but it’s not appearing on the ATO portal - should I be worried?

We regularly receive this question regarding the ATO specifically. Government billers (including the ATO) take a little longer than other billers to reconcile their payments received. This means it might not show in your ATO portal right away. 

If you are concerned by a delay, you can always send a query to ATO, and they will be able to locate the payment using your BPAY receipt ID that is noted on your receipt in the ‘Receipts‘ section of the Sniip app. 

The biller accepts the date shown on your BPAY receipt ID as the date the payment was made

If you have any questions, we’re here for you! Phone (07) 3268 7710. 

I added a biller and it’s coming up as blocked, why? Can I get this reviewed?

This can happen for one of two reasons. 

1. You’re the first person to pay this particular biller:

Each BPAY Biller is reviewed by Sniip to ensure it is in a permitted industry. If you are the first user to a certain bill, we are required to review this biller before we can allow a payment to them.

In the meantime, this bill will be sitting under the ‘To Pay’ tab in your Sniip app. When you click on the bill, you will be unable to select ‘Pay’ and it will say ‘Biller unavailable (under review)‘.

2. When your biller is blocked:

If we have restricted a biller, you will receive a ‘blocked biller’ message when you try to process the bill payment. 

As determined by BPAY and our banking partners, we’re restricted from allowing payments to certain billers due to their risk profile.  

These categories include:

  • Travel or holiday accommodation products
  • Banking and financial institutions (incl car and home loans)
  • Hiring and leasing
  • Remittance service provider (i.e overseas payments)
  • Charities and not-for-profit
  • Intermediaries
  • Pay-day lenders
  • Gaming (incl Internet gambling and casinos)
  • Goods dealers and foreign exchange currencies
  • Securities and derivatives
  • Managed investment schemes
  • International business operations

It is possible that your biller has fallen within a restricted biller category. This may not necessarily mean it cannot be paid using Sniip. We review each new biller on a case by case basis. If you believe you should be able to pay any of these billers, please email a copy of your invoice through to customercare@sniip.com and our team will evaluate your biller and let you know whether we can process your payment.

Your biller was approved

Your biller is blocked

One of my friends has a green ‘Verified’ tick on their Sniip account, how do I get this?

Great question! To get the green tick of verification, please apply within the Sniip app. 

You can verify your account by tapping the side menu and selecting, ‘Account’, ‘Security & Privacy’, ‘Verify account’. 

Account verification assists with the security and protection of your Sniip account.

Plus, it means when we launch pay to a BSB and Account Number (i.e. bills that don’t offer BPAY), your account will be already verified and ready to go! 

You can read more about verifying your account, here. 

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The Ultimate ‘Free Things To Do Near Me’ Guide

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say buh-bye to boredom

The Ultimate Guide: Finding free things to do in your area

Fill these school holidays with fun activities without breaking the bank.
free things to do near me

Are you sick of searching for ‘Free things to do near me’ in Google and finding the same answers each time? Well, it’s time to think outside of the box! And we’re here to help you do that 🤗 . 

Download our School Holiday Activities Guide below to learn about unique ways to find free things to do near you. Plus, this guide contains some beautiful and funky, age-categorised, colouring in designs that you can print and enjoy!

Download Guide
free things to do near me

Top 10 Payments in June You Need to Know – Pay land tax, ATO, and more!

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New Top 10 Bills Paid in June

Always earn full credit card points on all of your bills you pay through Sniip! From land tax NSW (or any other state), to super contributions and ATO payments; we break down the most common bills paid this time of year, so you can ensure you’re making the most of your Sniip account!  

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American Express
Non-Amex Cards
Debit Cards
Prepaid Cards

Payments with an American Express

While earning full Amex points.

Sniip is all about convenience and keeping everything in one place. When you use your Amex card through Sniip, you score full points on every payment.

land tax nsw

Paying the ATO with Sniip allows you to earn full points on your points-based credit card on the payment, even if you’d get reduced/no points if you paid the billers directly. 

– Revenue Land Tax NSW
– Revenue SA
– State Revenue Office VIC
– Revenue Office QLD
– Revenue Office ACT

– AustralianSuper
– VicSuper (AwareSuper)
– Superannuation clearing house (NSW, QLD)
– QSuper 
– UniSuper
– Praemium SMA Superannuation
– NAB Superannuation Fund
– Colonial First State FirstChoice Super
– Avanteos Superannuation Trust
– MLC Superannuation Fund

– State Revenue Office Payroll Tax (QLD, NSW, VIC)
– OSR QLD Payroll Tax

– Origin Energy
– Urban Utilities
– AGL
– Ergon Energy
– Water Corporation WA 
– Sydney Water

– Strata Unit Levies 
– NSW Rental Bond Board 

– Transport and Main Roads Registration Renewal (QLD)
– Department of Transport WA
– VIC Roads

– Queensland University of Technology
– Torrens University Australia
– Edith Cowan University 
– University of Sydney 
– University of Melbourne 

Australian Securities and Investments Commission Annual fees.

– AAMI
– Terri Scheer Insurance
– Medibank Private
– Avant Insurance 
– Allianz Workers Compensation VIC
– EBM Insurance 

– Brisbane City Council
– Toowoomba Regional Council
– Gold Coast City Council
– City of Sydney
– City of Fremantle 
– Logan City Council Rates

Payments with a non-Amex card

Earn full membership points on your Mastercard, VISA card, Citibank card or Diners International card.

land tax nsw

Earn full points through Sniip – there has never been a more rewarding and convenient way to pay your personal and business bills with a credit card. 

Paying the ATO with Sniip allows you to earn full points on your points-based credit card on the payment, even if you’d get reduced/no points if you paid the billers directly. 

– Urban Utilities
– Origin Energy
– Sydney Water

– DEFT Payment Systems 
– Strata Pay (Unit Levies)

– Super SA Flexible Rollover Product 
– Asteron Life and Superannuation 
– EQUIP Superannuation 
– AustralianSuper
– UniSuper 
– Colonial First State FirstChoice Super

– Brisbane City Council
– Gold Coast City Council 

– VIC Roads
– Transport and Main Roads Registration Renewal 

Pay all your child support payments with a BPAY code through Sniip and earn full credit card points!

Pay PayWay and earn full points through Sniip!

Australian Securities and Investments Commission Annual fees.

– RapidPay Legal Payments
– Mahoney Lawyers 

Debit card

Land tax nsw

Not interested in earning full credit card points? Sniip still has benefits for you! 

Securely store your debit card and easily pay your bill in the same place. Say goodbye to logging into several biller portals and re-typing your debit card number every time you have to pay a bill. 

land tax nsw

– Urban Utilities 
– Origin Energy
– AGL
– Unity Water
– Synergy 
– Alinta Energy
– Ergon Energy
– Red Energy 
– Unity Water

– Brisbane City Council
– Gold Coast City Council 
– Sunshine Coast Council
– Toowoomba Regional Council 
– Cairns Regional Council

– DEFT Payment Systems 
– Strata Pay (Unit Levies)
– NAB Easy Rent 

– Transport and Main Roads 
– VIC Roads
– WA Police Infringements

Paying the ATO with Sniip allows you to earn full points on your points-based credit card on the payment, even if you’d get reduced/no points if you paid the billers directly. 

– Revenue Land Tax NSW
– Revenue SA
– State Revenue Office VIC
– Revenue Office QLD
– Revenue Office ACT

–  Telstra
– Optus 
– Vodafone 

– RACQ Insurance 
– Insurance Australia
– AAMI 

Australian Securities and Investments Commission Annual fees.

Pay all your childcare bills with a BPAY code through Sniip in less than a minute. Set recurring payments and schedule future payments so you’ll never miss a bill due date! 

Payments with a prepaid card

Land tax nsw

Use a limitless amount of prepaid cards to pay off your bills.

Through Sniip, we facilitate all payments using any payment method (even if your biller usually wouldn’t accept it). We make it possible to pay all your bills with prepaid cards. 

land tax nsw

– Retail Employees Superannuation Trust 
– AustralianSuper
– Aware Super (VICSuper)
– Hostplus 
– UniSuper
– PSSap Super
– QSuper 

– Monash University 
– University of Sydney 
– University of Melbourne 
– University of Queensland 
– The Australian National University 
– Curtin University
– UNSW Sydney 

– Medical Defence Association Of South Australia
(MDA National)

– ICCONS 

– Methodist Ladies’ College 
– Ravenswood School for Girls 
– Barker College
– Christian Schools Tasmania 
– Sydney Grammar 
– Oxley College

– RentPay
– Strata Pay Unit Levies 
– DEFT Payment Systems 
– Meriton Property Services

– Insurance Australia 
– AAMI 
– Allianz 
– Terri Scheer Insurance 

– Urban Utilities 
– EnergyAustralia
– Origin Energy 
– Sydney Water 

– Revenue Land Tax NSW
– Revenue SA
– State Revenue Office VIC
– Revenue Office QLD
– Revenue Office ACT

– Brisbane City Council Rates
– City of Melbourne 
– City of Parramatta Council 
– Liverpool City Council 
– Gold Coast City Council 

Ultimate EOFY What Can I Claim? Unexpected Tips Here

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eofy tips

End of Financial Year Tips and Tools

2023 GUIDE

"What can I claim on tax?"

You’re not alone in wondering, “What can I claim on tax?”. Here, we’ll provide you with insights and strategies from a leading Australian Accountant to help you make smart decisions at the end of this financial year.  

Learn how to export your Sniip payment receipts, and the payment cut off times for tax payments. 

Businesses
Individuals
Overall

REMINDER:

Tax time cut-offs

When lodging your ATO returns, here’s the dates to be aware of:

Lodgement from: 1 July, 2023
Your tax return covers the income year from 1 July to 30 June. 

Due date: Tuesday, 31 October, 2023 
If you choose to use the services of a registered tax agent, they will generally have special lodgement schedules and can lodge returns for clients later than 31 October. If you are using a registered tax agent, you need to engage them before 31 October.

Tax bill due: 21 November, 2023 
If you lodge your own tax return and it results in a tax bill, payment is due by 21 November. 

sole trader tax rate

Preparing yourself or your business for the EOFY in Australia

Nikki Douglass, Owner and Managing Director of
First Class Accounts Canberra Central.

Nikki Douglass is the Owner and Managing Director of First Class Accounts Canberra Central. As an accountant with over 20 years experience, Nikki specialises in accounting setup, bookkeeping, BAS, GST and payroll.

Nikki is also an avid credit card ‘points chaser’, having just returned from a business class trip to Alaska, paid on points. Given that, she strongly recommends her clients to use Sniip for paying their business and personal bills. 

Tax Time Tips for EOFY

"What can I claim on tax?"

DON’T put your head in the sand this End of Financial Year (EOFY), because the ATO can see your derriere dancing in the air!

We picked the brains of tax expert Nikki Douglass, Owner and Managing Director of First Class Accounts Canberra Central and this is her #1 takeaway for tax time (in our own words, not the words of the eloquent Ms Douglass).

The phones are ringing off the hook in her Canberra office as we dial in for our interview. “Hi! Can I phone you back in 10 minutes?,” she says down the line. “I always wanted to be popular, but not this popular,” she laughed.

Given that we’re 15 days out from 30 June, so EOFY and tax is top of mind for businesses and individuals alike as we aim to all ensure we’re getting our maximum deductions.

“The metaphor of eating an elephant one mouthful at a time really applies to your books and tax. Therefore, it should be treated as a year-long process, not just looked at in June/July,” Ms Douglass said.

“Ideally, just take little bites at it and don’t think you need to reinvent the wheel. Basically it’s a year long process – by April and May you want to have confidence in your data and your books. Moreover, in June, we want to be prepared ahead of lodgement.”

This leads to her second tip. Whether you’re running a business or you’re an employee/contractor, your time is value and the laws are complex. In reality, it’s often better not to do your business bookkeeping or tax lodgements yourself.

“One of our mantras is, it's much better for your accountant to do tax advice than be your personal assistant and hunt down your paperwork at their hourly rates. You need your books to be clean, correct and accurate,” 

– Nikki Douglas

“Utilise the knowledge and experience of the experts. In this case, employ the professionals, period. Doing the financial paperwork is not of value to most (if any) businesses. In brief, give it to someone who is an expert.

“We like to see business owners do what they are experts in. For the most part, DIY is not always the best solution for your financial operations, payroll and tax work.

“You can’t be an expert in everything, but you can make sure you have a team of experts in your back pocket,” she said.

Ms Douglass said whether you’re a business or individual, your time is money.

“It’s much cheaper to engage someone to do the work than risk getting it wrong. Evidently, it can really cost businesses and individuals and I see that everyday.”

It’s important to know what you can claim on tax. As an illustration, getting it wrong doesn’t just mean missing deductions, it can be very costly if you over-claim deductions or GST credits.

“The rules change all the time, it’s impossible for someone to stay abreast. But as qualified professionals, you’re spending many hours undergoing further training and upskills each month to keep across any and all changes,” she said.

“Without this expertise, you can put something in that isn’t allowed and people can over claim. As a result, they have to give the money back to the ATO and can result in additional interest fees and penalties.

If you’re wondering, “What can I claim on tax?”, it’s probably worth speaking to a professional directly about your personal or business situation. 

“That’s probably occurring more frequently than people under-claiming. But the ATO is really cracking down – they’re very focused on debt collection at the moment.”

low to middle income tax offset

Nikki's Top 3 Business Tax Time Tips

"What can I claim on tax?"

1. Set-up processes in your business
“The biggest mistakes are because people don’t have sound processes. In that case, bills get missed which impacts on their cash flow further down the track. Not having a good process to pick up all the bills and check-up the statements becomes a nightmare at tax time. Evidently, utilising technology and apps such as Sniip can help automate processes in your business.”

2. Use tax time as an opportunity to review your outgoings
“Businesses are often not aware of their overheads and checking their outgoings. Are we getting them all? Do we need to revisit our phone accounts and insurances? People just pay things blindly – End of Financial Year is a great time to review expenditure and revisit outgoings,” she said.

3. Watch your drawings
“We often see businesses, particularly small businesses not often understanding drawings and how taking personal money out of the business works. For this reason, you should get advice on the best way to pay yourself from your business. Doing it incorrectly can have a negative impact and may not be beneficial from a tax point of view.”

BONUS TIP:
Claim the Sniip processing fee!

“If you’re registered for GST, the GST on the processing fee can be claimed back on your next BAS. Additionally, the non-GST component of your processing fee is a tax deduction for your business. And use Sniip’s tax-time export feature and the description/nickname of the bill to assist with tax deductions.”

what can I claim on tax

victoria land tax

Nikki's Top 3 Personal Tax Time Tips

"What can I claim on tax?"

1. A word on work from home
“A focus area this year is working from home. What are the long-term impacts of working from home? Talk to an expert to ensure you’re claiming the most you can within the legal framework.”

2. Hire a professional
“Even if you think the world is simple, hire a good professional. After all, they’re trained and they’re experts. I don’t want my electrician fixing my plumbing. I’m a big believer in paying a professional. You can’t be an expert in everything.”

3. Delicate with the deductions
“Individuals go wild with deductions and can easily put something in that isn’t allowed and we regularly see people over claim. Then they have to give the money back to the ATO.” 

what can I claim on tax

land tax threshold bsw

Nikki's Key Tax Time Takeaways

  • When it comes to your business accounts and your tax, it helps to leave it to the experts.

  • Treat your tax as an annual process (not just July’s job).

  • Watch your deductions (it’s easy to over-claim).

    BONUS TIP: Bookkeepers and accountants fees (just like Sniip processing fees), are all tax deductible.

Disclaimer: The above information is provided as general information only. It should not be taken as constituting professional advice. You should seek independent financial, taxation or other advice specific to your circumstances.

what can I claim on tax

Exporting your Sniip Receipts for tax reconciliation

Exporting an individual receipt 

  1. Log into your Sniip Account.
  2. Tap ‘Receipts’ in the bottom right corner.
  3. Select the receipt you wish to export to the email inbox linked to your Sniip account. 
  4. Tap the mail icon in the top right corner.
  5. All done! 

Exporting all receipts 

  1. Log into your Sniip Account.
  2. Tap ‘Receipts’ in the bottom right corner.
  3. Select the upload icon in the top right corner (next to the blue plus circle). 
  4. Select ‘Yes, please’ to confirm the export of all your receipts. 
  5. All done! 

Sniip Processing Times

The cut-off times for Sniip to receive your payment for processing by June 30 are as follows:
  • American Express: Thursday, June 29 by 6pm AEST
  • Visa/Mastercard debit: Thursday, June 29 6pm AEST
  • Visa/Mastercard credit: Thursday, June 29 11:59pm AEST
Please note: Diners Club cards and pay from Bank Account require one additional day processing time. As such, the cut-off time for two business day processing is Wednesday, June 28 by 6pm AEST.

Exclusive How To: Make More AmericanExpress Points, Land Tax

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How to pay Land Tax with American Express

any card | earn full points | lowest processing fees

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The Sniip app provides the best, easiest, and most convenient way to pay land tax with any payment method. 

Why is Sniip the best way to pay my land tax?

We keep it real, simple, and straight to the point.

Queensland land tax


Paying land tax directly:
Paying your Queensland land tax directly will incur a 1.4% processing fee for Amex.

Paying land tax through Sniip:
You can pay your Queensland land tax bills using a personal American Express card at a low 1.29% processing fee through Sniip – the best fees in the market. Also, you always earn full Amex points on all of your payments through Sniip! 

View our business rates here. 

New South Wales land tax, Victoria land tax, South Australia land tax, and Western Australia land tax


Paying land tax directly:
You are not able to pay your land tax directly with an American Express card in New South Wales, Victoria, South Australia, and Western Australia. 

Paying land tax through Sniip:
Luckily, you can pay all of your land tax bills using a personal American Express card at a low 1.29% processing fee through Sniip -the best fees in the market. Also, you always earn full Amex points on all of your payments through Sniip! 

View our business rates here.  

BPAY Biller Code for your land tax:

Queensland
  • QUEENSLAND REVENUE OFFICE – COSR LAND TAX
    BPAY Biller Code: 24125
New South Wales
  • REVENUE NSW
    BPAY Biller Code: 3384
ACT
  • ACT REVENUE OFFICE
    BPAY Biller Code: 24398
Victoria
  • STATE REVENUE OFFICE VIC LAND TAX
    BPAY Biller Code: 5249
South Australia
  • REVENUESA – LAND TAX 
    BPAY Biller Code: 625079
Western Australia
  • DEPARTMENT OF FINANCE WA – LAND TAX
    BPAY Biller Code: 747097
Northern Territory
  • NORTHERN TERRITORY REVENUE OFFICE
    BPAY Biller Code: 49015
Tasmania
  • STATE REVENUE OFFICE TASMANIA
    BPAY Biller Code: 575514

Please note: this is not an exhaustive list, refer to your bill for the BPAY Code and Reference Number.

Earn Velocity Points on bill payments

BPAY Biller Code for your land tax:

Queensland

QUEENSLAND REVENUE OFFICE – COSR LAND TAX
BPAY Biller Code: 24125

New South Wales

REVENUE NSW
BPAY Biller Code: 3384

ACT

ACT REVENUE OFFICE
BPAY Biller Code: 24398

Victoria

STATE REVENUE OFFICE VIC LAND TAX
BPAY Biller Code: 5249

South Australia

REVENUE SA – LAND TAX 
BPAY Biller Code: 625079

Western Australia

DEPARTMENT OF FINANCE WA – LAND TAX
BPAY Biller Code: 747097

Northern Territory

NORTHERN TERRITORY REVENUE OFFICE
BPAY Biller Code: 49015

Tasmania

STATE REVENUE OFFICE TASMANIA
BPAY Biller Code: 575514

Please note: this is not an exhaustive list, refer to your bill for the BPAY Code and Reference Number.

Sniip Pricing

Pay one processing fee. No sign up or subscription fees. Use any payment method.

Processing fees for personal payments

Processing fees for business payments 

How to pay land tax through Sniip

Step 1

Log into your Sniip account and tap the ‘+’ button in the top right corner to import a bill. There are five ways you can import your bill into the Sniip app.

Step 2

Once your bill has been added, it can be found in the ‘To Pay’ tab in the ‘Bills’ section. Select your bill, and from here, you can choose to ‘Pay’ or ‘Schedule’ your Land Tax payment. You can also add a custom description here to help with property finance management.

If you wish to schedule your payment for a later date, or pay your bill in instalments, select ‘Schedule’ and follow the prompts.

Step 3

To proceed with your bill payment now, tap ‘Pay’.

Select the day* you wish to pay your bill and your preferred payment method.

*Please note, funds take 1 (one) business day to land in the Sniip Trust account, so we always recommend setting your payment date to 1-2 business days before your due date.

Tap ‘Next’.

Step 4

Enter your CVV number and tap the ‘Confirm’ button.

Enter your Sniip pin code as the final security step to make your payment.

All done! Your land tax bill is all sorted.

Some popular questions about land tax…

What is land tax?

Land tax is a type of tax imposed on the value of land that individuals and businesses own. It’s a recurring payment made to the government based on the assessed value of the land. Land tax is separate from other property taxes, and is primarily focused on the value of the land itself, rather than the buildings or structures on it. In Australia, each state and territory has its own legislation and rules regarding land tax. This means that the thresholds, exemptions, and rates may differ depending on where the property is located. It’s important for property owners to familiarise themselves with the specific land tax regulations in their state or territory to understand their obligations and any potential exemptions or concessions that may apply.

Is land tax deductible?

In short: yes, for commercial or rental properties.

Land tax is generally deductible if the property is held for income-producing purposes. For example, if the property generates rental income or is used for business purposes, the land tax expense can usually be claimed as a deduction against your assessable income.

If your property is solely for personal use or is not generating income, the land tax expense is typically not deductible. As always, it’s important to consult with a tax professional or refer to the Australian Taxation Office (ATO) guidelines to ensure accurate and up-to-date information on deductibility rules, and any specific requirements that may apply in individual cases!

Can you avoid land tax?

While it is not possible to entirely avoid land tax in Australia, there are legal strategies and exemptions available that can help reduce the amount you owe. It’s important to note that these strategies are subject to specific criteria and regulations that vary across states and territories. Some common methods to potentially minimise land tax include:

1. Owner-occupier exemptions: Certain states offer exemptions or concessions for properties that are the primary residence of the owner.

2. Land tax thresholds: Each state has a threshold below which land tax is not applicable. If the combined value of your taxable land falls below this threshold, you may be exempt from paying land tax.

3. Land tax planning: By carefully managing property ownership structures and asset holdings, it may be possible to optimise the distribution of land ownership and minimise overall land tax liability.

4. Land tax incentives: Some states provide land tax incentives for specific types of properties, such as those used for affordable housing.

It is important to seek advice from qualified tax professionals who can provide you with personalised guidance based on your specific circumstances, and the relevant state or territory regulations. They’ll help you navigate the complexities of land tax and determine the most effective strategies for managing your tax obligations! 

Land Tax Calculators:

Land tax calculator NSW

Land tax calculator QLD

Land tax calculator VIC

Land tax calculator SA

Land tax calculator WA

*Disclaimer: the above information is not financial advice, and the information contained on this page is not a substitute for financial advice from a professional. Please seek advice from a professional who is aware of the facts and circumstances of your individual situation.

EXCLUSIVE: Your Stunning New Account Section Has Arrived

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The Account Section designed for YOU

Customise Notifications

Tell us how and when you want to hear from us. You can create notifications for things like:

  • Your account needs support
  • You need to reconnect your email for auto-sync
  • A bill/ scheduled payment is due soon
  • Payment method has expired 
  • A payment has failed
  • A scheduled payment has successfully been paid
  • and more!

Update Account Information

Change your preferred name and update your email or mobile number registered to your Sniip Account. 

Here, you can also enter your ABN if you wish. 

Verify your Account

If you tap on the push notification you received if you’ve been asked to verify, you will be taken to the ‘User Verification’ screen in the app. 

If you haven’t been requested to submit verification, you can still opt to verify your account by doing the following:

  • Tap on the top left hand menu and select ‘Account’
  • Enter your Sniip PIN
  • Tap on ‘Security & Privacy’
  • Select ‘Verify account’ to be taken to the submit page

You can also update your PIN and Password in the Security & Privacy section.

Tour of new account section update

We’ve done a little renovation on your Account Section! 

All in all, it’s still got all the same nuts-and-bolts – it’s just neater to make your account management easier.

Our design team is always working hard to elevate your experience as a Sniip user, whilst maintaining our vision of providing the simplest and most effortless payments possible.  We hope you love it as much as we do! 

Enjoying Sniip?
We'd ❤️ to hear from you!

If you’re enjoying using Sniip, please don’t be shy! A five star review from you would make our day. We’re a small team, and seeing your glowing reviews means a lot to us and helps others find Sniip! 

Tell us what you think!
Opulento
Opulento5 star review
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There are so many things I liked about paying via Sniip. Gone of the days of having to enter in your card number followed by a hash key! Then wait while the computerised operator reads you back your number to confirm. I was able to pay my BCC rates notice within 5 seconds without the worry of making sure I entered the write amount/ reference number and card number! It was all done for me. I also like to set and forget when it comes to organising my life. The app enables you to set a date for it to pay the bill so that you never miss a payment which results in late payment fees. Hopefully in time more suppliers will pick up this payment method.
Chris
Chris5 star review
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Sniip is great. I use the app to pay for all my rates and BPAY bills like tax payments. It takes me no time at all to pay ATO tax bills and stores all the information for me. It sends me a receipt for the payment and processing fee which I also get to claim on my tax. I’ve never had an issue and just positive experiences. Best fintech I have come across.
Mikb_oz
Mikb_oz5 star
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I’ve been annoyed that I’d pay all these bills with my card but couldn’t get any AMEX points, you solved it! Love it! Would recommend to anyone looking to maximise their points earning.
Bbbindi
Bbbindi5 star review
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Simple, quick, and easy. Bill paid in under 2 minutes
Mr Oman
Mr Oman5 star review
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Love this app. Makes earning air miles with Amex so much easier.
Olivia
Olivia5 star review
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Very responsive to some performance issues I was experiencing with the app - the team escalated the issue to their tech guys as a priority and resolved it promptly, enabling me to add and successfully pay an upcoming bill. Will look forward to using this app more in future.
Sparms
Sparms5 star review
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I use Sniip to pay my rates and water bills. My account details are stored there so it’s just a matter of opening the app & scanning the barcode and everything is loaded so I just have to click on pay. I don’t use all the extra features because I generally pay the bills as I get them but you can set up reminders etc. Copies are automatically placed in your history.
Asifidtelya
Asifidtelya5 star review
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It’s fast and easy which is great when you’re busy running a business.
Wordlegod
Wordlegod5 star review
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Called and spoke with Jennifer and she was the most helpful of any customer support person I have gotten to talk with. Makes me happy to use the app again and again!!
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We’re here for you every step of the way, and if you have any questions at all, just give us a call at (07) 3268 7710 and we’ll be delighted to assist you.

Fantastic exclusive tips: Make Voluntary Contributions To Your HECS/HELP

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Making voluntary payments to HECS/HELP debt

A little background...

With the (slightly alarming) hikes in Australia’s inflation rate, everyone’s saying that you should consider making voluntary contributions to pay off your HECS/HELP student loans.

How does the rising inflation rate affect your HELP/HECS debt? 

When the inflation rate goes up, the value of money decreases. Banks (and other institutions that offer loans to people) compensate for the loss in value by increasing interest rates on the loans they have handed out. And, as we all know, a higher interest rate on loans means you have to pay more money back to the lender.

But will the government make you pay more?

While HECS/HELP debts don’t have interest in the same way that ordinary loans do, they are subject to an indexation rate that is applied each financial year by the Australian Government to stay in line with the rising costs of living. This is done to ensure that the real value of the loan remains constant over time. This means that if inflation rises, the value of your HECS debt will increase as well.

In summary: When inflation rises, the indexation rate on your HECS/HELP debt will also increase. This can make it more expensive to repay the loan over time, especially if you only make the minimum repayments required.

Making voluntary repayments to HECS/HELP before June 1, 2023

Because the indexation rate on your HECS/HELP debt will increase to 7.1% on 1 June 2023, there are some advantages to paying your HECS/HELP debt before that date (whether this is partially or in full). 

Making voluntary repayments prior to the indexation date can decrease the overall cost of your HECS/HELP loan over its lifetime (keeping in mind that your loan increases each year by a percentage, so the lower the overall loan, the less it will increase each year). 

See how indexation can change the overall HECS/HELP debt here. 

How to earn full points on your HECS/HELP voluntary repayments

If you have a credit card, you might be wondering, “Can I earn full credit card points on payments to the ATO?” – and the answer is, traditionally, no. However, with the Sniip app you can earn full points on payments to the ATO (and any other bill with a BPAY Biller Code)! 

How?
Well, Sniip processes your payments as a two-legged transaction, so your credit card provider does not classify your transaction as a BPAY or government payment:

  1. You pay money into the Sniip Trust Account
  2. The Sniip Trust Account pays the ATO on your behalf 

Are there any other benefits to Sniip?
Of course! With Sniip, you can also:

Is Sniip safe?
We can totally understand if you have security concerns – processing a lot of money through any platform can make anyone nervous. This might offer you some peace of mind:

How to pay your HECS/HELP (and earn full credit card points)

Step 1 – Download the ATO app from the Apple App/Google Play store and sign in.

Step 2 – Select ‘Accounts’, and view your HELP loan under ‘Loan Accounts’.

Step 3 – Tap the three dots and select ‘Make a voluntary payment’.

Step 4 – Tap on ‘BPAY’, scroll down and take a screenshot of the BPAY Code and Reference Number.

Step 5 – Go into the Sniip app and log into your account.

Step 6 – Tap the ‘+’ button in the top right corner and select ‘Import from photo’. 

Step 7 – Choose ‘Select from photos’ and import the screenshot of the ATO details you just took. Please allow a few seconds for your bill details to be read. You’ll receive a notification when it’s ready.

Step 8 – Tap on the notification to be taken to the ‘Review’ tab in the ‘Bills’ section. Select your payment. 

Step 9 – Select ‘Review and edit’, then tap ‘Next’.

Step 10 – Enter the amount you wish to contribute to your HECS/HELP and select the due date*. Select ‘Next’. 

Step 11 – Tap ‘Add bill’.

Step 12 – Choose to pay your bill now, or schedule it to be paid at a future date*.

Step 13 – Select your payment method and tap ‘Next’.

Step 14 – Enter your CVV number and tap ‘Confirm’. Then, enter the PIN number for your Sniip account to complete the payment. 

Step 15 – All done! Your HECS/HELP repayment has been successfully paid (or scheduled)! 

*Please note that we recommend paying a bill two (2) business days before the due date for debit and credit cards, and three (3) business days for bank accounts. This allows adequate time for the funds to land in the Sniip Trust Accounts. We do not pay your bill before we receive your funds. 

How To Get More Credit Card Points? Best Bills in 2023

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How To Get More Credit Card Points? Best Bills in 2023

Our most popular payments in May 2023

Sniip is the best Australian payment platform to pay your bills and earn full credit card points on all of your payments! 

If you use Sniip to pay the ATO or your car rego renewal, you might be wondering if there are any more frequent bills that you could pay through Sniip (and earn points!)? 

The answer is: absolutely! 

From utilities bills to land tax, our users process all sorts of bills through their Sniip accounts. If your bill has a BPAY Biller Code on it, chances are you can pay it with Sniip!

For some inspiration, here’s our forecast of the bills most likely to be paid with Sniip this month:

1. ATO

Whether paying your personal or business tax or superannuation bill, Sniip is the ultimate way to pay the ATO. 

Paying the ATO with Sniip allows you to receive full points on your points-earning credit card on the payment. In contrast, paying the ATO directly only earns a reduced points rate – and who wants that?!!

2. Energy bills

Here’s some of the top energy bills that will be paid during the month of May.

  • AGL
  • Alinta Energy
  • Energy Australia
  • Ergon Energy
  • Origin Energy
  • Red Energy 

Using Sniip’s ‘set and forget’ payment scheduling feature means you never miss your due date, so you always get your on-time discount/avoid any late fees.

3. Water bills

We all need water and these providers are our users’ favourites! Do you have one of these too? 

  • Sydney Water
  • Yarra Valley Water
  • City West Water
  • Energy Australia
  • Unity Water
  • City of Armadale Water 

4. DEFT* (payment system)

  • Rent
  • Electricity
  • Gas
  • Body Corporate
*Please note: You are unable to pay DEFT with an American Express card using Sniip.
 

5. Transport and Main Roads Rego Renewal

  • VicRoads 
  • Queensland Department of Transport and Main Roads

6. Strata (unit levies) 

  • Body Corporate 

7. Council Rates 

  • Brisbane City Council Rates 
  • City of Gold Coast
  • Sunshine Coast Council
  • Toowoomba Regional Council 
  • Mosman Council 
  • City of Sydney 
  • City of Melbourne 
  • City of Parramatta 
  • Georges River Council 
  • Campbelltown City Council 
  • Cardinia Shire Council 
  • Moonee Valley City Council 

8. Phone and internet bills

  • Telstra
  • Optus 
  • Vodafone

9. ASIC (Australian Securities and Investments Commission)

  • Annual fees

10. Private health 

  • Medibank Private 
  • BUPA
  • HCF
  • NIB

Bonus bill idea is land tax (11)! 

If you’ve got some big bills coming up that you don’t want to pay in one go, you’re in luck! In the Sniip app, you can easily pay off bills in instalments if your biller accepts partial payments.

How to pay bills in instalments

(and find out if your biller accepts partial payments)

Partial payments not accepted

Partial payments accepted

  1. Log into your Sniip account
  2. Import your bill
  3. Confirm your bill details
  4. On the ‘Bill details’ screen, select ‘Schedule’ 
  5. If your biller accepts partial payments, you can select ‘Instalments’ and split your bill into a number of payments
  6. If your biller does not accept partial payments, a message will appear below your bill amount on the ‘Bill details’ screen
You can manage all of your instalment plans from the Scheduled section under ‘Bills’. 
Learn more
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