Super clearing houses¶

Most businesses have employees in more than one super fund. Paying each fund separately would mean many payments and lots of admin. A super clearing house solves this. It is a service that lets you make one super payment with all your employees' details attached, then splits that payment and forwards the right amount to each employee's fund.

You send one payment; the clearing house does the sorting.

In one line

A super clearing house lets you pay super once, with everyone's details, and it forwards the money to each employee's fund for you.

Why this matters¶

Sending one payment instead of ten is faster and easier to track. But timing still matters. Super counts as paid only when the fund actually receives the money — not when it leaves your bank account. The clearing house needs time to pass the money on, so you need to allow for that when you pay, to meet your due date.

What you will learn¶

What a super clearing house does
Why one payment to many funds saves time
What the ATO's clearing house change means for you

Understanding the concept¶

A super clearing house takes two things from you: the money and the data (who each contribution is for, and which fund it goes to). It then distributes the money to each fund and passes on the matching details so the fund can allocate the contribution to the right member.

The ATO used to run a free clearing house for small business, the Small Business Superannuation Clearing House (SBSCH). The ATO has closed the SBSCH from 1 July 2026. Employers who used it now use a commercial clearing house or the clearing house built into their payroll or super software instead.

Because super is only counted as paid once the fund receives it, always leave enough time for the clearing house to forward the money before your due date.

For accountants & bookkeepers

The ATO closed the SBSCH as part of the move to Payday Super. Clients who relied on it should have downloaded their transaction history and moved to an alternative — payroll software with a built-in clearing house, a provider listed on the ATO's SuperStream product register, or a commercial clearing house. The payment is treated as made when the fund receives cleared funds, so the clearing house's processing time sits inside the employer's deadline, not outside it.

Example¶

Priya's Cafe has five staff, and between them they belong to five different super funds. Instead of making five separate payments, Priya makes one payment to her clearing house and attaches each employee's details. The clearing house splits the payment and sends the correct amount to each of the five funds. Priya pays a few days before her due date, so there is time for every fund to receive its share.

Common mistakes¶

Assuming super is paid the moment it leaves your account — it counts only when the fund receives it, so allow for the clearing house's processing time.
Still trying to use the ATO's SBSCH — it closed from 01/07/2026; use a commercial clearing house or your payroll or super software instead.
Leaving the payment to the last day and missing the due date because the money had not reached the funds in time.

How this works in myaccountant¶

In the app — myaccountant connects to a super payment service so you can pay all your employees' funds from one place. You approve the super for a pay run, and the details and money are sent electronically through SuperStream. The due date is shown on the contribution so you know when the payment needs to reach the funds.

Key points¶

A super clearing house takes one payment plus everyone's details and forwards the money to each fund.
One payment to many funds saves time and cuts admin.
Super counts as paid only when the fund receives it, so allow processing time.
The ATO's free SBSCH closed from 01/07/2026.
Employers now use a commercial clearing house or their payroll or super software.
Paying before your due date leaves room for the money to reach the funds.

Learn next¶

General information only — not tax, super or financial advice.

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