Payday Super

Payday Super is a new legislated requirement that means employers will need to pay super contributions in line with their employees’ regular pay cycle, so super gets paid at the same time as wages.

What does this mean for you?

Each time you pay your employees, you’ll also need to make super payments for that pay period.

Super Guarantee (SG) contributions must be received by the employee’s super fund within 7 business days of payday. If you’re onboarding new staff, you’ll have 20 business days for their first payment.

Why is this change happening?

Unpaid super costs Australians billions each year¹. By syncing super payments with payday, the Government aims to:

Reduce unpaid or delayed contributions
Improve tracking and transparency for employees
Boost long-term retirement outcomes through more frequent compounding returns

Payday Super might mean making a few updates to your payroll system, but the payoff is worth it. It helps simplify how you manage payroll and super, eases the pressure of quarterly liabilities, and keeps you out of trouble with penalties like the SG Charge.

Watch our webinar: Payday Super Employer Overview

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What you can do to prepare

Review your payroll systems and processes
Explore alternatives to the ATO’s Small Business Superannuation Clearing House (decommissioned 1 July 2026)
Ensure data accuracy to avoid contribution rejections
Stay informed about updates to SuperStream and Single Touch Payroll (STP) reporting

Exceptions to the rule

Extended timeframes apply for:

When you hire someone new, you get extra time to pay their first super contribution. This is because setting up their details—like tax file number and fund choice—can take longer. Employers have up to 20 extra days after payday to make this payment.

If a super payment is rejected (for example, because the employee’s stapled fund details are wrong), you’re allowed more time to fix it.

For payments that aren’t part of the regular pay cycle—such as bonuses, commissions, or back pay—you don’t need to pay super within the usual 7-day rule. Instead, you can include it with the next regular payday contribution, so everything stays consistent.

The ATO Commissioner can grant extra time if a group of employers faces significant disruptions—like natural disasters or major ICT or communications outages. This ensures fairness during periods of hardship.

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Important information

AMP Super refers to SignatureSuper® which is issued by N.M. Superannuation Proprietary Limited ABN 31 008 428 322 AFSL 234654 (NM Super) and is part of the AMP Super Fund (the Fund) ABN 78 421 957 449. NM Super is the trustee of the Fund.

® SignatureSuper is a registered trademark of AMP Limited ABN 49 079 354 519.

Before deciding what’s right for you, it’s important to consider your particular circumstances and read the relevant Product Disclosure Statement and Target Market Determination from AMP at amp.com.au or by calling 131 267.

Read AMP’s Financial Services Guide for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you.

Any advice and information provided is general in nature, hasn’t taken your circumstances into account, and is provided by AWM Services Pty Ltd ABN 15 139 353 496 (AWM Services), which is part of the AMP group (AMP). All information on this website is subject to change without notice.

Footnotes

¹Source: ^{Australian Taxation Office}