I’ve been encouraged by the level of engagement from super funds as we prepare for Payday Super. Across the industry, there's been a real effort to understand the changes, assess impacts and plan for implementation.
With 1 July 2026 fast approaching, if your fund hasn’t yet shifted from planning into delivery, it’s time to act.
Shared expectations for 1 July
Last month, APRA and I jointly wrote to RSE licensees setting out our shared expectations for readiness from day one of Payday Super. The commitment shown by the industry is clear. This now needs to be reflected in systems, processes and partnerships that work end-to-end.
We encouraged funds to check in on their progress, particularly in relation to SuperStream Contribution 3.0External Link changes, and to test whether their arrangements can stand up under more frequent contributions and tighter processing timeframes.
Payday Super affects the whole contribution chain. Readiness depends not only on internal systems, but also on how well funds, administrators, gateways, clearing houses and payment providers are aligned.
Revisit your implementation timelines and work with your counterparts to ensure you’re ready for 1 July.
Use the time available
There's still time to close any readiness gaps, so don't delay. Key testing windows run through April – June and funds should review their timelines now, prioritise what remains, and avoid leaving testing too late.
Clear communication is critical. Employers, payroll providers and intermediaries need to understand what’s changing, what information is required, and how you will resolve issues.
For the latest information and resources, visit ato.gov.au/paydaysuper.
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