If you make your personal contribution, you can do it via a direct deposit, electronic funds transfer and, in some cases, via BPay. You will need to check with your superannuation fund. Alternatively, your employer may make the contribution on your behalf by way of a deduction from your after tax income.
The amount of your post tax contributions received by your complying superannuation fund or RSA account in the financial year (as at 30 June) is used in the calculation of the co-contribution amount.
You do not have to make the contribution as a lump sum. Instead you may choose to make fortnightly or monthly instalments, just as long as the amount is contributed by 30 June.
Please note: personal contributions are made from your after tax income, while salary sacrifice contributions to super come from you before tax income.