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DanielLC comments on Applied Optimal Philanthropy: How to Donate $100 to SIAI for Free - Less Wrong
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It seems to me that either it it's better for SIAI to have the money, in which case it's a worse deal, or it's better for you to have it, in which case keeping all of it is the best deal. I don't see why keeping some of it would be optimal.
There is a third case that may occur: you don't sign up, nobody gets the money. From all perspectives this is a bad thing. If you pay yourself some money, you decrease the proportion of "no money" to add to the proportion of "SIAI gets money". Keeping 5% means the SIAI gets 95 dollars (matched) instead of 100 - but if it makes a significant dent in the chances of the SIAI getting 0 dollars then the expected outcome is higher for paying yourself than it is for sending it all to the SIAI.
That said, you could use this justification to overcome the inconveniences, and re-evaluate at the moment of donating to the SIAI, and decide to donate the full amount.