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How can I get my tax refund in advance?

As a H&R Block customer, you could unlock your tax refund in minutes (instead of weeks!) through Beforepay.
Here's what you can look forward to by signing up!

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    Quick access

    You could advance up to 50% of your estimated tax refund (max. $1000) and see the funds in your account in minutes, provided you don't have an active loan with Beforepay and meet eligibility requirements. 

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    Simple fees

    A safe and affordable way to advance your tax refund for your urgent expenses, pay only a 5% fixed fee on your total loan. You'll know exactly what you owe and can expect no interest or ongoing costs!

  • STICKER 5

    Easy repayments

    Repayment is automatic! H&R Block will repay your Tax Refund Advance on receiving your tax refund from the ATO. Anything remaining will be sent back to you. Subject to refund. 

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What is a Tax Refund Advance?

We’ve partnered with H&R Block to offer Tax Refund Advance, giving you access to up to 50% (max. $1000) of your estimated refund in minutes for a 5% fixed fee. 

The Tax Refund Advance is available for eligible H&R Block customers who use their Fee-From-Refund service. To cash out your Tax Refund Advance, you must not have an active loan with Beforepay. Find out more about how it works here.

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How do I cash out my Tax Refund Advance?

After lodging your tax return with H&R Block using their Fee-From-Refund service, ask your Tax Consultant about your eligibility for a Tax Refund Advance.

If eligible, you’ll receive an SMS from us to unlock your Tax Refund Advance through Beforepay. You'll be able to cash out your Tax Refund Advance once passing our verification and eligibility checks, provided you don't have a current and active loan with Beforepay.

Your Tax Refund Advance will be transferred directly into your bank account!

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Eligibility

Am I eligible for a Tax Refund Advance?

To be eligible for a Tax Refund Advance you need to meet the eligibility criteria of H&R Block and Beforepay, and: 

  • File your tax return with a participating H&R Block Australia office using their Fee-From-Refund service 

  • Have a minimum estimated refund from the ATO of $1000 or more as calculated by H&R Block.

  • Create a Beforepay account and successfully complete our verification and eligibility checks. 

You can only cash out your Tax Refund Advance if you do not have a current and active loan with Beforepay.

Tax Refund Advance is available for FY24 returns.

Our standard eligibility criteria:

  • You make at least $300 in income after tax each week. Centrelink and other government benefits cannot make up more than 50% of your income.

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    You have a regular pay schedule (weekly, fortnightly, monthly) and your pay is directly deposited into your account.

  • Your salary needs to be deposited into an account that can be direct debited. Some savings accounts are not eligible.

  • Your salary must be deposited into a supported bank account. We currently accept transaction and selected savings accounts.

  • You pass our risk assessment, which is based on an analysis of your income, expenses and other spending behaviour.

Frequently Asked Questions

  • Why do I need to connect my bank?

    You need to connect your bank to Beforepay for a number of reasons: 

    • To verify your eligibility with Beforepay.
    • To transfer your Tax Refund Advance.
    • To unlock the budgeting tool and spending insights in the Beforepay app.
    • To arrange alternative repayments, in case your refund is late or is less than expected

  • How do I make a repayment?

    In most cases, your total Tax Refund Advance repayment (including 5% fixed fee) will be paid from your tax refund by H&R Block once received from the ATO.

    Any remaining amount in your tax refund will be sent to you by H&R Block.

    If your tax refund is less than your advance, your outstanding repayments will be debited from your bank account.

    You can also choose to repay early via PayID starting from 2 days after you Cash Out.

  • What if my refund is late?

    Your refund may be late for several reasons, such as ATO audits.

    If your tax refund is not received by the due date, your outstanding repayments will be debited from your bank account.

    If your refund arrives after repayments have begun to be debited from your account, your balance owing will take into account any repayments already made.

    H&R Block will only send the remaining balance to be paid.

    You will be notified once we receive your repayments in full.

Have more questions? Check out the rest of our FAQs here

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