AustralianSuper is here to help you manage your super obligations with confidence and ease, so you can get back to business.
Employers must provide superannuation to eligible employees to help them save for retirement. Your employees are generally eligible for super if they’re aged 18 years or over, or under 18 and work 30 hours or more a week.
Super must be paid by quarterly due dates to a complying super fund at a minimum rate of 10.5% of employee’s ordinary time earnings. This rate will increase to 11% from 1 July 2023.
Whether you’re establishing a super payment system, onboarding new starters or need general information about your super responsibilities, we’re here to help.
Need help calculating how much super to pay? Use the ATO’s Super guarantee contributions calculator
Read an article about the Superannuation guarantee
What are the super due dates?
Employer super contributions must be paid on or before quarterly due dates. You may choose to pay more frequently - fortnightly or monthly for example – if it suits your business.
SG quarter Date payment due 1 July - 30 September 28 October 1 October - 31 December 28 January 1 January - 31 March 28 April 1 April - 30 June 28 July
If you pay super to AustralianSuper and find you don’t have any super payments due for a particular quarter or period, let us know by filling in a Employer contribution nil advice form and we’ll put a note on our system.
Five steps to managing employer super contributions
Once you’ve established you have employees who are eligible for super, keep these five steps in mind to help ensure you’re meeting all your super obligations.
Frequently asked questions
What happens if i'm unable to make super paymentsIf you are experiencing difficulties meeting your super obligations, please contact the Australian Taxation Office (ATO) directly on 13 10 20. AustralianSuper doesn’t have the authority to extend or change the legislated due date for SG payments as your SG obligation is to the ATO.
What happens if I miss a super payment?
If you don’t pay SG contributions on time and in full, you risk having to pay the Super Guarantee Charge, a penalty imposed under the Superannuation Guarantee (Administration) Act 1992. The charge is made up of the SG that’s owed, interest on the outstanding amount and an administration fee. Further penalties apply if you don’t lodge the SG statement and pay the SG charge by the due date. Late payment also means you’re not able to claim the payments as a tax deduction.
For more on what to do if you think you’re behind on super payments or there’s a risk you may fall behind in the future, refer to the FAQ What if my circumstances change and I don't need to pay super?
What is super stapling and how does it affect my business?
The Government’s super stapling legislation, introduced on 1 November 2021, means working Australians will be attached to one super fund for life unless they choose otherwise. For employers, super stapling changes the onboarding process for new employees, introducing a new step that follows offering your new starter a choice of super fund. If they make their choice at this point, super must be paid into their fund of choice. If they don’t, under super stapling you must use an ATO database to check if the employee has an existing fund they are ‘stapled’ to and if so, pay their super into that fund. Where a new employee hasn’t chosen a fund and doesn’t have a stapled fund, super contributions must be made to your business’s default super fund.
I don’t need to pay super this quarter
Your super payments may change from quarter to quarter because you have employees with irregular work patterns, who leave your employment or other circumstances. If you make payments to AustralianSuper, we’d encourage you to keep us in the know by taking the appropriate action outlined in the table below.
Change in circumstance What to do No super payment is required for all or part of the period Submit an Employer contribution nil advice form to let AustralianSuper know you have no further obligations. I’ve had employees leave since the last quarter Please contact us with termination dates for relevant employees and submit an Employer contribution nil advice form. I no longer have employees with AustralianSuper Contact us to advise that you no longer have any employees with AustralianSuper and confirm the date of the last contribution owed. My employees have irregular work patterns This may include casuals, seasonal workers. Submit an Employer contribution nil advice form to let us know. This can also be used for dates in the future. My business has ceased trading, my ABN has changed or my business has multiple entities Contact us to advise about the changes to your business.
What if my circumstances change and I don't need to pay super?
There are a number of reasons you no longer need to pay super for an individual staff member or group. It may be that your worker are seasonal or no longer work for you. Whatever the reason, keeping AustralianSuper informed is always a good thing so we don’t expect the payment to come in and believe you have fallen into arrears. Here are some common circumstances and what to do:
When employees leave your business, or have irregular works patterns (casuals and seasonal workers for example), email us with the relevant details. This may include termination dates for employees who have left. Or, let us know if your employees are casual or seasonal and aren't entitled to super payments for a period of time.
You don’t need to make any contributions for the period in question – Let us know by submitting a nil contribution advice form
You’ve recently changed ABN or your businesses has multiple entities - Email us to let us know if one of these entities is now making payments under this employer number or if employees are being paid under a new ABN so we can update our records.
Your business has ceased trading - Email us to notify us of the date your business ceased trading.
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 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