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What is Payday Super?  

From 1 July 2026, you'll need to pay your employee super contributions at the same time as wages. Instead of quarterly payments, you'll need to process super contributions each pay cycle, alongside payroll. 

The ATO will also be closing its Small Business Superannuation Clearing House (SBSCH). If you use the SBSCH to pay your employee super contributions, you'll need to find a new way to pay super. You can continue using the SBSCH until its last day of operation, 30 June 2026.

Visit the Payday Super hub from Colonial First State to find out more. 

Cover a cash shortfall

Changes to when you pay employee super may impact your cash flow, especially if you’re used to quarterly payments. Flexible funding with a Business Overdraft can help keep things running smoothly.1

  • Bridge short-term gaps between income and expenses
  • Keep payroll and super payments in track
  • Pay interest on the amount you use (other fees apply)
  • Access funds when you need them

Already bank with us? You might be conditionally approved.

Explore Business Overdraft

Manage super payments in one place

Need an alternative to the ATO's Small Business Superannuation Clearing House or looking for access to a clearing house at no cost to your business?

Essential Super for business provided by Colonial First State (CFS) is relaunching soon to help you manage your super obligations with ease.

With Essential Super for business, you can, at no cost to you:

  • Set up and manage super contributions for all employees in one payment
  • Use Essential Super as the default fund for your business

Register your interest to stay updated about the relaunch of Essential Super for business.

Register interest

Tools & guidance

How to prepare for Payday Super 

Get started with the Payday Super Checklist from Colonial First State.

Payday Super checklist (PDF)

Get to know your cash flow

Understand how your cash flow might be impacted, with cash flow insights in the CommBank app.

Business cash flow

Learn more about Payday Super 

Videos, checklists and cash flow kits to help you understand and get ready for Payday Super.

Explore

Frequently asked questions

Payday Super starts on 1 July 2026. 

A super clearing house is a service that allows you to pay super for multiple employees into a single platform, which then distributes payments to each fund.

With more frequent payments, a clearing house can help you streamline payments and reduce admin. 

Learn more about the clearing house service available through Essential Super for business, relaunching soon.

Under Payday Super, you’ll need to replace quarterly payments and make sure your super payments align with your payroll.

If super isn’t paid on time, you may have to pay the Super Guarantee Charge (SGC), which can include the unpaid super amount, interest and additional penalties. 

There are a few practical steps you may consider to help you prepare for Payday Super.

  • Review your payroll setup to ensure super is calculated and paid correctly each cycle
  • Understand your current cash flow across pay cycles
  • Check if your systems support more frequent payments
  • Make sure you're up to date with all your Payday Super obligations

Visit Colonial First State’s Payday Super hub and get started with the Payday Super checklist (PDF). 

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Things you should know

This information is for general information purposes only. It has been prepared without considering your objectives, financial situation or needs. You should consider the appropriateness of this information to your circumstances before acting on it.

Some of the links within this site will bring you to a third party website, owned and operated by an independent party over which CBA has no control ("3rd Party Website"). Any link you make to or from a 3rd Party Website will be at your own risk.

1 Credit provided by the Commonwealth Bank of Australia. These products are only available to approved business customers and for business purposes only. This offer cannot be used to refinance existing debt or purchase an asset. Applications for finance are subject to the Bank's eligibility and suitability criteria and normal credit approval processes. View our current Terms and Conditions for Business Finance, Electronic Banking, Business Savings and Transaction Accounts, CommBiz, NetBank, and Financial Services Guide and the Target Market Determination and consider them before making any decision about these products. Fees, charges and Terms & Conditions apply.

Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank). The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. The Bank holds an interest in the CFS Group through its significant minority interest in HoldCo.

This information is issued by CFS and may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. The Target Market Determination (TMD) for Essential Super can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at commbank.com.au/essentialsuperbusiness-documents  or call CFS on 13 4074 for a copy.

The clearing house facility is provided by SuperChoice Services Pty Limited ABN 78 109 509 739 (SuperChoice), an authorised representative of PayClear Services Pty Limited ABN 93 124 852 320 AFSL 314357 (PayClear). SuperChoice and PayClear are not part of the Commonwealth Bank Group or CFS. The SuperChoice Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) is provided at the time of registration. Employers should consider the SuperChoice Combined FSG and PDS before deciding whether to apply or accept the offer to use the clearing house facility.

None of the Bank, HoldCo, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries.