What is a superannuation clearing house?
A super clearing house is a government-approved automated payment system.
With a clearing house, you can make one super payment for all employees, no matter what fund they belong to. The clearing house then sends the money to your employees’ super funds.
How does a super clearing house work?
A clearing house is an online portal that simplifies the process of making superannuation contributions. Instead of making separate payments to multiple super funds, employers can make a single payment to the clearing house, which then distributes the contributions to the respective employees’ super account.
The infographic below demonstrates the clearing house process:
As an employer, you will provide both contribution details and payment into your chosen clearing house which will then send details and payment onto your employees’ separate super funds.
What clearing house should I use?
As an employer, you can use a super clearing house as long as it meets SuperStream legislation1.
When you register with AustralianSuper, you'll gain access to the Employer Portal2 and integrated clearing house at no cost.
The Employer Portal is designed to help you meet your super obligations so you can focus on running your business.
The Employer Portal will offer the following features:
- available at no cost to registered AustralianSuper employers
- validates your data digitally and in real time
- provides a user-friendly interface
- is multi-factor authentication enabled
- option to display an employee’s stapled fund and record choice of super fund during digital onboarding, and
- planned integration with payroll and HR systems (integration may vary by provider).
For more details and an overview of the key features, download the Key features of the new Employer Portal fact sheet.
If you currently use QuickSuper3, we’ll guide you through the transition to the Employer Portal.
Do I have to use the Employer Portal if AustralianSuper is my default super fund?
No. You can register with AustralianSuper without using the Employer Portal.
While we offer the Employer Portal to employers, you might choose not to use it. You can choose to use your own clearing house or may already have access to one through your business' accounting software.
How to register for the Employer Portal
- First, you’ll need to register with AustralianSuper. Haven’t done it yet? Register now.
- Once you've done this, set up your organisation in the Employer Portal and confirm your details. You'll need your ABN handy.
- Complete the mandatory tasks in the Quickstart checklist within the Employer Portal to ensure you're ready to make your first contribution.
If you need assistance, visit the Employer Portal in-app help to access the online support, FAQs, and step-by-step guides at any time.
Start paying super to your employees
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Important things to consider
- Australian Taxation Office, SuperStream for employers, ATO website, accessed 18 July 2024.
- The clearing house is a financial product offered by ClickSuper Pty Ltd ABN 48 122 693 985 (‘ClickSuper’) trading as Wrkr PAY (AFSL 337805), a wholly owned subsidiary of Wrkr Ltd ABN 50 611 202 414 (‘Wrkr’). Terms and conditions of Wrkr and ClickSuper apply and a Product Disclosure Statement for the clearing house is available from ClickSuper on request. AustralianSuper Pty Ltd doesn’t receive any commissions or other benefits from ClickSuper, nor is it recommending, endorsing or providing an opinion about the products or services offered by ClickSuper or intending to influence anyone to make a decision about them. AustralianSuper Pty Ltd is not liable for any loss or damage you incur in connection with the use of products or services provided by ClickSuper or Wrkr.
- QuickSuper is a registered trademark and a product owned and operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac’s terms and conditions applicable to the QuickSuper service are available after your eligibility for the clearing house service is assessed by AustralianSuper. A Product Disclosure Statement (PDS) is available from Westpac upon request. AustralianSuper doesn’t accept liability for any loss or damage caused by use of the QuickSuper service and doesn’t receive any commissions from Westpac if employers use this service. You can choose to make your contributions using a different service, but it needs to meet the government’s minimum data standards, visit ato.gov.au