What Maxxia Australia does

Maxxia Australia is a Melbourne-based salary packaging and novated leasing provider serving employees across healthcare, charity, corporate, government, and rebatable sectors. Its core products — salary packaging administration and ATO-approved novated leases for new, used, and existing vehicles — enable employees to redirect pre-tax salary toward eligible expenses and bundled vehicle running costs (rego, fuel/charging, insurance, servicing, tyres). The company operates a B2B2C model: employer benefit programs serve as the primary acquisition channel, while employees transact via the My Maxxia mobile app and web portal, supported by a contact center (1300 123 123).

The technology stack is a cloud-based administration platform with a consumer-facing mobile app (iOS/Android), a Maxxia Wallet prepaid Mastercard issued via EML Payment Solutions, and a suite of online calculators (novated lease, salary packaging) that double as lead-generation tools. Novated lease financing is delivered through a credit-representative arrangement with Onboard Finance Pty Ltd, while the Mastercard rail is licensed through EML. Distribution is anchored by a nationwide network of 500+ automotive dealers and longstanding employer relationships built over 30+ years.

Revenue is generated through a mix of recurring administration fees (indicative $200 per novated lease per year), one-off finance establishment fees ($475 per lease), recurring Maxxia Wallet fees ($4.40 per benefit per month), and commissions from arranged financial and insurance products. Pricing is quote-based and varies by employer and individual circumstances. The company is privately held with no disclosed external institutional investors, operates from a single Melbourne headquarters, and has headcount in the 101-250 range.

Name

Maxxia Australia

Legal name

Maxxia Pty Ltd

Website

https://maxxia.com.au

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

Maxxia Australia is a privately held, Melbourne-based salary packaging and novated leasing provider that helps employees in healthcare, charity, corporate, and government sectors pay for vehicles and living expenses using pre-tax salary, distributed via employer benefit programs and a mobile/web platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Administration Fees: Maxxia charges administration fees for managing salary packaging accounts. For novated leases, an indicative annual vehicle management service fee of $200 (incl. GST) applies, which may vary by employer. Fees are paid from pre-tax dollars and do not contribute to salary packaging cap limits.
2. Commissions from Financial Products: Maxxia receives commissions in connection with its services including novated lease financing, insurance products, and other financial products arranged through the platform. The company acts as an authorised representative for financial services licensees.
3. Finance Establishment Fees: For novated leases, a finance establishment fee of $475 (incl. GST) is charged by the financier and included in the amount financed.
4. Maxxia Wallet Fee: Monthly fee of $4.40 per benefit (GST inc.) for Maxxia Wallet card holders, deducted from salary packaging account.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Maxxia Australia administers salary packaging and novated leasing arrangements for Australian employees, enabling pre-tax salary contributions for eligible living expenses, meal entertainment, and vehicle financing (including running costs such as rego, fuel, insurance, and servicing). The offering is supported by the My Maxxia digital platform (web and mobile app) for account management and claims, plus the Maxxia Wallet prepaid Mastercard for direct access to packaged funds.

Product overview

Maxxia Australia offers a unified salary packaging and novated leasing financial services platform. The core products consist of Salary Packaging (enabling pre-tax salary contributions for eligible expenses) and Novated Leasing (vehicle financing through employer-mediated lease arrangements). These are supported by the My Maxxia digital platform (web and mobile app) for account management and claims processing, the Maxxia Wallet prepaid Mastercard for convenient fund access, and companion calculator tools for estimating savings. The platform serves healthcare, charity, corporate, government, and rebatable employee sectors across Australia.

Differentiator

Problem solved

Functional benefit

Brands

• Maxxia Wallet: A prepaid Mastercard tap-and-go smart card allowing access to salary packaging funds for Meal Entertainment and living expenses benefits.
• My Maxxia

Products and services

• Salary Packaging A salary sacrifice service that allows employees of participating employers to allocate a portion of their pre-tax salary toward eligible expenses (living expenses, meal entertainment, additional superannuation), reducing taxable income and increasing disposable income. Available across healthcare, charity, corporate, government, and rebatable employee sectors.
• Novated Leasing An ATO-approved three-way lease arrangement between employee, employer, and financier (Onboard Finance Pty Ltd) enabling pre-tax salary contributions to cover vehicle lease payments and bundled running costs including rego, fuel/charging, insurance, servicing, tyres, and roadside assistance. Covers new, used, and existing vehicles including FBT-exempt electric vehicles.
• Maxxia Wallet A prepaid Mastercard issued by EML Payment Solutions Limited that provides tap-and-go 24/7 access to salary packaging funds for Living Expenses and Meal Entertainment benefits. Designed for eligible healthcare and charity sector employees. Includes real-time balance tracking via the My Maxxia app, at a monthly fee of $4.40 per benefit.

Quantifiable outcome

• Tax savings up to $4,857/year for charity employees salary packaging $15,900
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

One partnership is on record.

• Mastercard Asia/Pacific Pte. Ltd.coreTechnology or IntegrationMastercard provides the payment network infrastructure for the Maxxia Wallet prepaid Mastercard through licensing agreement with EML Payment Solutions.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• EML Payment Solutions: Prepaid card program manager and issuer that powers the Maxxia Wallet prepaid Mastercard. A key infrastructure partner and ecosystem participant; also operates its own prepaid programs that could overlap with Maxxia's wallet product.

Direct peers

• Paywise: Salary packaging provider focused on healthcare, charity, and public benefit employers in Australia. Competes head-to-head with Maxxia on novated leasing and lifestyle benefits administration for rebatable and FBT-exempt employee cohorts.
• Active Fleet Management: Australian novated leasing and fleet management provider competing directly with Maxxia for corporate and government employer clients. Comparable on novated lease product, dealer pricing approach, and digital account management capabilities.
• SmartSalary: One of Australia's largest salary packaging and novated leasing providers, directly competing with Maxxia across healthcare, charity, and corporate employer segments with similar ATO-approved novated lease products and digital self-service platforms.
• RemServ: Australian salary packaging and fleet management provider serving public sector, healthcare, and NFP employers. Directly comparable to Maxxia on novated leasing and salary packaging product set with similar employer-channel GTM.
• Easi (Salary Packaging): Salary packaging and novated lease administrator serving Australian health and charity sectors. Direct competitor on the same employee benefits and vehicle lease products as Maxxia, with a similar employer-mediated distribution model.

Broad incumbents

• FleetPlus (Fleet Partners): Australian fleet management and novated leasing provider with broader end-to-end fleet services. Overlaps with Maxxia on novated lease product but extends further into fleet management, end-of-lease, and corporate fleet services.
• Smartgroup Corporation: ASX-listed provider of salary packaging, novated leasing, and employee benefits administration in Australia. Broader portfolio (including fleet and health insurance) but directly comparable on the salary packaging core where it competes with Maxxia across enterprise employer accounts.
• NAB (Novated Leasing): Major Australian bank offering novated lease products alongside broader consumer and commercial finance. A potential vertical integrator and direct competitor for novated lease volume, particularly with corporate and government employer accounts.
• Toyota Finance Australia: OEM-affiliated financier offering novated leases and personal vehicle finance in Australia. Competes with Maxxia on the novated lease product via direct employer relationships and dealer channels, with deeper balance-sheet capacity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/maxxiaau

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Maxxia Australia