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  • Small Business Superannuation Clearing House

    Eligible employers can pay super for their employees through the Small Business Superannuation Clearing House ('the clearing house').

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    Eligibility

    You're eligible to use the clearing house service if your business has either:

    You must meet one of these eligibility criteria each time you use the service.

    You will need to make other arrangements to meet SuperStream requirements to pay super for your employees if you're no longer eligibile, meaning your business has:

    • more than 19 employees, and
    • annual aggregated turnover greater than or equal to $10 million.

    Watch the video for more details about the clearing house:

    Media: Small Business Superannuation Clearing House
    https://tv.ato.gov.au/ato-tv/media?v=bd1bdiubk8ig7hExternal Link (Duration: 1:44)

    About the clearing house

    The clearing house is a free online service provided by the Australian Government through the Australian Taxation Office.

    You can use the clearing house to pay super for all your employees through a single payment. The clearing house will then distribute the money to each employee's super fund according to your instructions.

    With the clearing house, you can:

    • nominate a regular amount for each employee or change the amount when you make a payment
    • meet your super guarantee (SG) obligations when your payment and instructions are accepted by the clearing house by following the clearing house terms and conditions
    • pay online to meet SuperStream requirements
    • see records of your past super contributions.

    Using the clearing house for the first time

    You must register the first time you use the clearing house. To do this, you'll need to provide information about:

    • your business and employees
    • your employees’ choice of fund
    • your default fund – this is where payments will go if the employee doesn't choose a fund
    • anyone authorised to use the clearing house on your behalf, such as a bookkeeper.

    Print the clearing house privacy statement and give this to your employees.

    Accessing the clearing house

    Using Online services for business

    If you're a business or an individual employer with an Australia business number (ABN), you can access the clearing house through Online services for business:

    • select Employees
    • select Small Business Super Clearing House.
    Log in to Online services for business

    If you need to authorise someone else (such as a staff member) to use the clearing house on behalf of your business, you can authorise them in Relationship Authorisation Manager (RAM)External Link and customise their permissions in Access Manager.

    Accessing Online services for business

    To access Online services for business, you will need to sign in using myGovID.

    If you’re new to online services, you will first have to set up your myGovID, then link it to your business in Relationship Authorisation Manager (RAM). For more information, see Accessing online services with myGovID and RAM.

    Using ATO online services via myGov

    If you're an individual employer with an ABN or a withholding payer number (WPN), you can access the clearing house using your myGov account linked to ATO online services.

    Individuals with a WPN include people who employ domestic staff.

    Sign in to myGov

    Non-individual employers

    Non-individuals with a WPN include school canteens, sporting clubs and embassies.

    If you represent a non-individual with a WPN, you can:

    Making payments

    Due date and scheduled maintenance

    The next quarterly due date for super guarantee payments is:

    • 28 January 2022

    To allow for normal processing times and system maintenance, submit your payments and instructions in the clearing house by:

    • 5.30pm AEDT on 24 January 2022

    Processing cut off dates for our annual office closure:

    • 5.30pm AEDT on 15 December 2021 - all Super guarantee payments received after this date will be processed from 4 January 2022

    You will continue to be able to access ATO online systems during the closure.

    Our contact centres will be closed from noon Friday 24 December 2021 until 8.00am Tuesday 4 January 2022.

    End of example
    1. Work out how much super you need to pay for all your employees.
    2. Access the clearing house through Online services for business or ATO online services.
    3. Enter instructions about how to distribute payment to each employee's super fund, noting the payment reference number (PRN).
    4. Make a single electronic payment to the clearing house for all your employees including the PRN.
    5. The clearing house distributes the payment to each employee's super fund according to your instructions.

    Note: Payments may take up to seven business days to be transferred through the ATO and super fund before they reach the employee's super fund account.

    Payment errors

    If your employee's details are incorrect, their super fund may:

    • reject the payment
    • send the payment back to us.

    If the payment is sent back to us, we'll contact you to update the information within seven business days.

    We will resend the payment to the fund if you correct the information. If you don't update the information, the payment will be sent back to you.

    If your employee's details change after you submit a payment instruction, but before it's processed, you'll need to:

    • update the employee's details
    • delete the payment instruction
    • lodge a new payment instruction.

    Help and support

    Last modified: 01 Dec 2021QC 44705