Show download pdf controls
  • Small Business Superannuation Clearing House

    The Small Business Superannuation Clearing House (SBSCH) is a free service (see note) you can use if you are a business with 19 or fewer employees, or have an annual aggregated turnover of less than $10 million.

    You can make your super guarantee (SG) contributions as a single electronic payment to the SBSCH. It will then distribute the payments to each employee's super fund.

    To access the SBSCH via our online services, you'll need a secure authentication credential that identifies you to act on behalf of your business.

    Get prepared now for the next quarterly due date by using the SBSCH decision tool to help you work out which authentication credential and online service suits your business situation.

    To start using the new SBSCH, visit the homepage and select your appropriate login, or find out how to access the SBSCH via online services.

    If you are experiencing difficulty accessing or using the SBSCH, we have help with the SBSCH troubleshooting guide. If you are still experiencing difficulty accessing or using our online services, you can phone us for help.

    Some issues have been identified with the SBSCH system that have delayed the processing and crediting of payments to some employee's super fund accounts. The SBSCH system status will be updated with current information.

    What's new

    New features of the SBSCH follow:

    • The SBSCH bank account details have changed. The new details are available on the Payment Options screen when completing a Payment Instruction – update any saved BPAY payment references in your internet banking or other banking services.
    • The SBSCH is no longer accessible with a user ID and password authentication. Find out how to access the SBSCH via online services.
    • Using our online services, you can access to a range of tax and super services with one log on.
    • Web addresses for the old system have been redirected to this page – update any bookmarks that you have saved to the appropriate online service.
    • Payments can now be made by credit card. We use the Reserve Bank’s Government EasyPay service.
    • A payment reference number will be provided to you for paying by BPAY, credit card, or direct credit.
    • Payments may take up to five days to appear in employee's superannuation funds.
    • You can now save and manage multiple draft payment instructions - however you can only submit them one at a time.
    • There is now a sort function on employee listings.
    • SMSF details are checked for accuracy and a selectable list of SMSF electronic service addresses are available to choose from.

    Note: If you make super payments by EFT or BPAY to the SBSCH using your credit card account, you may be charged a fee by your financial institution.


    Media: Small Business Superannuation Clearing House Link (Duration: 1:44)

    Key features of the SBSCH

    The SBSCH allows you to:

    • make all your super contributions in one transaction with the SBSCH securely distributing super contributions to your employees’ nominated super funds
    • ensure your SG obligations are met as soon as your payment and instructions are accepted by the SBSCH (provided the fund does not reject them)
    • nominate a regular contribution amount for an employee
    • access your transaction history whenever you need it
    • make payments in only a few minutes, once set up
    • access the system 24 hours a day, seven days a week
    • pay super the SuperStream way – with money and data being sent electronically in the standard format.

    Using the SBSCH

    When using the SBSCH:

    • you agree to the terms of use
    • you choose to register for the SBSCH as an optional service
    • you need to provide detail about your business and your employees
    • you use the definition of an employee as an individual employed on a full-time, part-time or casual basis
    • you can nominate someone other than the business owner to use the SBSCH on your behalf such as a payroll officer or bookkeeper
    • you have 21 days to register an employee's choice of fund with the SBSCH.


    Information you provide to the SBSCH is used to administer the program.

    See also:

    Last modified: 13 Apr 2018QC 44705