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  • Small Business Superannuation Clearing House

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


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

    Your business can make your Super Guarantee (SG) contributions as a single electronic payment to the SBSCH. 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.

    The SBSCH will then distribute the payments to each employee's super fund. Your SG obligations are met as soon as your payment and instructions are accepted by the SBSCH. The SBSCH is SuperStream compliant.

    On this page:

    Accessing the SBSCH

    How you access the SBSCH depends on your business situation. The clearing house can be accessed via ATO Online Services in myGov, or the Business, Tax Agent and BAS agent portals.

    1. Use the SBSCH decision tool to work out which online service and authentication credential fits your business situation.
    2. Then from our home page banner choose who you want to log in as, and select the yellow 'Login' button.

    See also:

    Features of the SBSCH

    The SBSCH allows you to:

    • pay super the SuperStream way – money and data is sent electronically in a standard format
    • nominate a regular contribution amount for an employee
    • make all your super contributions in one transaction – the SBSCH distributes super contributions to your employees’ nominated super funds securely
    • 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)
    • access your transaction history.

    Using the SBSCH

    The SBSCH is an optional service.

    • By using the service, you agree to the clearing house terms of use and privacy notice.
    • When you register for the SBSCH, you must provide your business' and employees' details. An employee is defined 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. This person may be a payroll officer or bookkeeper.
    • The clearing house has an online help function.
    • You have 21 days to register an employee's choice of fund with the SBSCH.
    • Employers paying to employees' self-managed super funds (SMSFs) are required to obtain and submit correct electronic service addresses (ESA), ABNs and payment reference numbers (PRNs) in order for payments to process. If your employee does not provide that information within 28 days you must pay to your default fund.
    • Payments may take up to seven business days to be transferred through ATO and super fund processes into an employee's super fund account.
    • Payments can be made by credit card. We use the Reserve Bank’s Government EasyPay service.
    • A payment reference number (PRN) will be provided to you for paying by BPAY, credit card, or direct credit. Using the incorrect PRN will result in delays in processing and may result in payment rejection.
    • We confirm that where an employer has made a payment to the SBSCH by the quarterly due date they are considered to have met their obligations under the Superannuation Guarantee (Administration) Act 1992. This is irrespective of any delays in crediting amounts to employee super accounts.

    Help using the SBSCH

    If you are having issues accessing or using the SBSCH, use the following resources:

    Last modified: 24 Sep 2018QC 44705