What to look for when choosing a super clearing house

If you manage or own a business with employees, then paying super is part of your business’s basic admin. Keeping on top of your super doesn’t have to be complicated and time consuming.

Super clearing houses – like QuickSuper - can help make the process of paying your employees' superannuation simpler. Here are some of the basics when it comes to choosing a super clearing house for your business.

Do I need to use a superannuation clearing house?

In 2012, the Australian Government passed SuperStream legislation that makes electronic payment of super compulsory. This was done to reduce the number of missing and lost super payments and make managing and reporting on payments simpler for businesses1.

One way to meet SuperStream requirements is to pay super through a compliant clearing house, like QuickSuper. Rather than making separate payments to each employee’s super fund, a clearing house allows you to make just one payment. The clearing house will then make sure that money is divided up correctly and paid into their correct funds and accounts.

The ATO (Australian Tax Office) offers a free clearing house service to small businesses that have 19 or fewer employees or an annual turnover of less than $10 million. But there are other free options for when your business grows over the threshold of 19 employees that are SuperStream compliant, including QuickSuper.


3 things to consider when choosing a clearing house

Before you consider a clearing house service make sure its SuperStream compliant. This means the clearing house meets the Australian Government’s requirements. Once you’ve found compliant options, here’s 3 factors to compare and consider.

1. Is there a cost?

Understand any costs involved:

  1. Some payroll software packages offer services similar to clearing house, but these can be fee-based features.
  2. Some clearing houses charge per employee or transaction, and that can add up
  3. Some clearing house services are no-cost, such as QuickSuper option.

It’s a good idea to research the costs involved (if any) before you sign up for a service.


2. Consider the time it takes to process payments

The time it takes for your payment to be processed by the clearing house and deposited at the super fund is a key factor to consider. Your employees will thank you for choosing a clearing house that processes payments quickly and efficiently.

Also, to keep things simple and reduce workload to your payroll staff, it’s worth checking whether, your service allows you to pay for multiple businesses using one super clearing house login. This is particularly useful feature for accountants or bookkeepers who may be responsible for paying contributions for several different businesses.


3. Automatic validation of employee information

It helps to choose a clearing house that can automatically validate employee addresses using the Australia Post database. This helps to reduce processing times and eliminate errors.


QuickSuper clearing house

QuickSuper clearing house is SuperStream compliant, secure, fast and free. You don’t need to have chosen AustralianSuper as your business’s default fund to use the service, but you do need to have at least one employee who’s a member of AustralianSuper and register as a participating employer.

QuickSuper means you can make one payment for all your employees through a standard SuperStream file upload, or direct entry of the details.

QuickSuper also allows you to:

  • Make additional or voluntary contributions
  • Update business and employee details
  • Use reporting to reconcile payments
  • Create a detailed audit trail
  • Choose payment frequencies – weekly, fortnightly, monthly or quarterly

Over 750,000 businesses across Australia – big and small – use QuickSuper to save time and take the hassle out of making super payments2


Register for QuickSuper

Joining AustralianSuper as an employer is the first step to setting up QuickSuper. You’ll need your ABN and details of your payroll schedule. Once you’ve joined AustralianSuper as a registered employer, you’ll need to sign up for QuickSuper access to get your super clearing house login and to begin managing your super payments.


  1. ATO.gov.au/superstream
  2. Figure provided by Westpac as of 28 October 2019.

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 free 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 does not 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 as legislated in Stronger Super reforms. To learn more about Stronger Super visit australiansuper.com/StrongerSuper or visit ato.gov.au

This information may contain general financial advice which doesn’t take into account your personal objectives, situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement, available at australiansuper.com/pds or by calling 1300 300 273.

AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898.

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