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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 clearing house. If you stop being eligible – for example, because you hire more than 19 employees – you will need to make other arrangements to pay employee super.

    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 submit a payment
    • meet your super guarantee (SG) obligations as soon as 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.

    Accessing the clearing house

    If you have an ABN

    You can access the clearing house through the ATO Business Portal:

    • Select Manage employees in the left menu
    • Select Small Business Superannuation Clearing House.
    Sign 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. This is the same myGovID you used to log into the Business Portal.

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

    If you don't have an ABN

    Individual employers

    If you're an individual employer with 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:

    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.

    Making payments

    Due date and scheduled maintenance

    The next quarterly due date for super guarantee payments is:

    • 28 July 2021

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

    • 5.30pm on 23 July 2021

    Due to planned system maintenance the clearing house will be unavailable from:

    11.30pm 24 July 2021 to 7.00am 25 July 2021

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

    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 7 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:

    • delete the payment instruction
    • lodge the payment instruction again.

    Help and support

    Last modified: 26 May 2021QC 44705