{"id":19626,"date":"2026-09-01T12:09:11","date_gmt":"2026-09-01T06:39:11","guid":{"rendered":"https:\/\/befreeltd.com\/au\/?p=19626"},"modified":"2026-09-01T12:17:17","modified_gmt":"2026-09-01T06:47:17","slug":"small-business-superannuation-clearing-house","status":"publish","type":"post","link":"https:\/\/befreeltd.com\/au\/resources\/blogs\/small-business-superannuation-clearing-house\/","title":{"rendered":"Complete Guide on Small Business Superannuation Clearing House"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"19626\" class=\"elementor elementor-19626\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-684f1151 e-flex e-con-boxed e-con e-parent\" data-id=\"684f1151\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f80aa8c elementor-widget elementor-widget-text-editor\" data-id=\"7f80aa8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If your business has been using the ATO&#8217;s free service to pay employee super, you need to act now. The Small Business Superannuation Clearing House has permanently closed and any business still relying on it to meet super obligations is already exposed.<\/p><p>This guide covers what the SBSCH was, why it closed, the key dates that matter, and exactly what your options are going forward, including how Xero supports the shift to Payday Super.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18f35e92 elementor-widget elementor-widget-heading\" data-id=\"18f35e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a Superannuation Clearing House?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e1fd607 elementor-widget elementor-widget-text-editor\" data-id=\"2e1fd607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A superannuation clearing house is a service that lets employers make a single super payment for all employees, regardless of which funds those employees belong to. Instead of sending separate payments to multiple super funds, you send one lump sum and the clearing house distributes contributions to each fund on your behalf.<\/p><p>For small businesses without a dedicated payroll team, this has always been a practical solution. One payment. One transaction to reconcile. One compliance obligation ticked off per quarter.<\/p><p>The ATO super clearing house, formally the Small Business Superannuation Clearing House (SBSCH), was the free, government-run version of this. It was available to businesses with 19 or fewer employees, or an aggregated annual turnover under $10 million. Since its launch in 2010, it was used by over 200,000 Australian small businesses to meet their quarterly super guarantee obligations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b65fd91 elementor-widget elementor-widget-heading\" data-id=\"6b65fd91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Small Business Superannuation Clearing House (SBSCH) Closure\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca86726 elementor-widget elementor-widget-heading\" data-id=\"ca86726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The SBSCH Is Closing \u2014 Key Dates Small Businesses Need to Know\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79be99ff elementor-widget elementor-widget-text-editor\" data-id=\"79be99ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The SBSCH closure is no longer upcoming \u2013 it&#8217;s done. Here&#8217;s the full timeline:<\/p><ul><li><strong>1 October 2025<\/strong> \u2013 New business registrations closed. No new businesses could sign up after this date.<\/li><li><strong>30 June 2026<\/strong> \u2013 Final day for existing users to submit contributions. The service accepted lodgements until 11:59 pm AEST.<\/li><li><strong>1 July 2026<\/strong> \u2013 The SBSCH is permanently closed. It can no longer be used to make payments or access records.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3113ad8 elementor-widget elementor-widget-text-editor\" data-id=\"3113ad8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>One critical point the ATO has confirmed: super guarantee contributions for the quarter ending 30 June 2026 remain due on 28 July 2026. As the SBSCH will no longer be available, you should make these payments through an alternative method of payment. If you do not meet this date, you will need to lodge a super guarantee statement and pay the super guarantee charge.<\/p><p>If you haven&#8217;t already downloaded your SBSCH records, that data is now gone. The ATO confirmed records are no longer accessible after closure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e0ff4d elementor-widget elementor-widget-heading\" data-id=\"2e0ff4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The SBSCH Is Closing \u2014 Key Dates Small Businesses Need to Know\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5a5147 elementor-widget elementor-widget-text-editor\" data-id=\"e5a5147\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The closure is linked to broader reforms in the superannuation system. The government is moving towards Payday Super, where employers will be required to pay superannuation at the same time as salary and wages, rather than quarterly.<\/p><p>The SBSCH was built for a quarterly payment model. Under <a href=\"https:\/\/befreeltd.com\/au\/resources\/blogs\/payday-super-guide-for-small-business-owners\/\">Payday Super<\/a>, businesses will not only need to shift from quarterly superannuation payments to paying super in line with payday, but they also need to ensure contributions reach employee funds within seven business days. The SBSCH simply wasn&#8217;t designed to support that frequency or those timeframes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd13f5d elementor-widget elementor-widget-heading\" data-id=\"dd13f5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Super Clearing Houses Matter for Small Business\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e62ed elementor-widget elementor-widget-text-editor\" data-id=\"f7e62ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For small business owners, super compliance carries real financial risk. The ATO&#8217;s Superannuation Guarantee Charge \u2013 the penalty for missing or late contributions \u2013 includes the unpaid super amount, 10% interest per annum, and an administration fee of $20 per employee per quarter. Importantly, the SGC is not tax-deductible, which makes it one of the most expensive compliance failures a business can face.<\/p><p>A clearing house simplifies this by centralising payment. One transaction covers all funds, the payment is timestamped, and your SuperStream obligations are met. Any payment attempt after 1 July 2026 will fail. The obligation to pay super will remain unmet, and the ATO can issue a Superannuation Guarantee Charge assessment.<\/p><p>From 1 July 2026, the compliance stakes are even higher. Super must now be paid on or before the day wages are paid, not quarterly. This changes cash flow planning, payroll processes, and the tools your business needs to stay compliant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0030ede elementor-widget elementor-widget-heading\" data-id=\"0030ede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Transitioning from the Small Business Superannuation Clearing House\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea4305 elementor-widget elementor-widget-text-editor\" data-id=\"5ea4305\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIf you haven&#8217;t transitioned yet, here&#8217;s where to start.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05f2942 elementor-widget elementor-widget-heading\" data-id=\"05f2942\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Review your current payroll setup \n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac732c2 elementor-widget elementor-widget-text-editor\" data-id=\"ac732c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tIdentify what software you&#8217;re currently using and whether it already includes super payment functionality. Many cloud payroll platforms \u2013 including Xero \u2013 have built-in super payment tools that process contributions alongside payroll automatically.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee04e0f elementor-widget elementor-widget-heading\" data-id=\"ee04e0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assess your alternative options\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e6e84e elementor-widget elementor-widget-text-editor\" data-id=\"0e6e84e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSwitch to a SuperStream-compliant payment method, such as payroll software with built-in super, which automatically calculates contributions and processes payments from the same platform you use for payroll. If you&#8217;re not using payroll software, employer clearing house portals from major super funds are another option.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-406c4af elementor-widget elementor-widget-heading\" data-id=\"406c4af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Test before you commit\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a88cb2 elementor-widget elementor-widget-text-editor\" data-id=\"2a88cb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tTest your new super payment system before you stop using the SBSCH to confirm that contributions reach the correct funds, amounts calculate accurately, and reporting meets SuperStream requirements. If you&#8217;ve already stopped using the SBSCH, set up and test your new system as soon as possible.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfe0a84 elementor-widget elementor-widget-heading\" data-id=\"cfe0a84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Update your payroll calendar\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94ca71d elementor-widget elementor-widget-text-editor\" data-id=\"94ca71d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tQuarterly super is gone. Your payroll process now needs to include super as a standard component of every pay run, not a separate quarterly task.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228457c elementor-widget elementor-widget-heading\" data-id=\"228457c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Are Your Alternatives? (Including How Xero Supports Payday Super)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b58ed9 elementor-widget elementor-widget-text-editor\" data-id=\"9b58ed9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There is no government replacement for the SBSCH. The SBSCH is the sole government-operated clearing house, and no replacement is planned. All alternatives operate on commercial or subsidised models.<\/p><p>Your main options are:<\/p><p><strong>Payroll software with integrated super.<\/strong> For businesses already using cloud payroll software, this is the most seamless path. Platforms like Xero calculate and submit super alongside payroll automatically, with contributions processed through a built-in SuperStream-compliant clearing house.<\/p><p><strong>Super fund employer portals.<\/strong> Some funds, including AustralianSuper, offer free clearing house portals for employers. These handle contributions to multiple funds and are SuperStream-compliant. They&#8217;re a practical no-cost option if you&#8217;re not using integrated payroll software.<\/p><p><strong>Commercial clearing houses.<\/strong> Third-party SuperStream-compliant services are available, though most charge a fee. These suit businesses with more complex payroll structures or those not yet using cloud payroll tools.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aeea585 elementor-widget elementor-widget-heading\" data-id=\"aeea585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Xero Payday Super\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45733c3 elementor-widget elementor-widget-text-editor\" data-id=\"45733c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For businesses on Xero, the transition is straightforward. Xero&#8217;s Auto Super feature calculates and submits super contributions automatically as part of every pay run \u2013 no separate clearing house, no manual lodgement. Contributions are submitted through a SuperStream-compliant clearing house built directly into Xero Payroll.<\/p><p>As a Xero Platinum Partner, Befree configures Xero Payroll for Payday Super compliance \u2013 reviewing payroll settings, confirming earnings categories, and making sure your setup processes super correctly every pay cycle.<\/p><p>For the most current guidance, refer to the <a href=\"https:\/\/www.ato.gov.au\/businesses-and-organisations\/super-for-employers\/paying-super-contributions\/how-to-pay-super\/small-business-superannuation-clearing-house\">ATO&#8217;s official SBSCH closure page<\/a> and <a href=\"https:\/\/www.xero.com\/au\/guides\/sbsch-closure\/\">Xero&#8217;s SBSCH closure guide.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d18bc elementor-widget elementor-widget-heading\" data-id=\"10d18bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your Super Obligations Haven't Changed \u2013 But How You Meet Them Has\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd2100 elementor-widget elementor-widget-text-editor\" data-id=\"5dd2100\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The SBSCH is gone. The super guarantee isn&#8217;t. Every pay cycle is now a super obligation, and missing it triggers penalties that aren&#8217;t tax-deductible.<\/p><p>The businesses that navigate this smoothly are the ones that move early \u2013 getting the right payroll setup in place and testing it before the first post-closure pay run.<\/p><p>Befree&#8217;s <a href=\"https:\/\/befreeltd.com\/au\/services\/payroll-outsourcing\/\">payroll outsourcing team<\/a> manages super contributions as part of your regular pay run, using Xero Payroll configured for Payday Super compliance, so your obligations are met every cycle, automatically.<\/p><p>Don&#8217;t leave super compliance to chance after the SBSCH closure. <a href=\"https:\/\/befreeltd.com\/au\/contact-us\/\">Book a call<\/a> with Befree and get your payroll set up correctly from day one.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee642c5 elementor-widget elementor-widget-heading\" data-id=\"ee642c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1d309 elementor-widget elementor-widget-n-accordion\" data-id=\"5c1d309\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:300,&quot;sizes&quot;:[]},&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9650\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9650\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What was the Small Business Superannuation Clearing House? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9650\" class=\"elementor-element elementor-element-b674e93 e-con-full e-flex e-con e-child\" data-id=\"b674e93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37417af elementor-widget elementor-widget-text-editor\" data-id=\"37417af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe SBSCH was a free ATO service that let eligible small businesses pay all employee super contributions in one transaction. It distributed payments to individual super funds on the employer&#8217;s behalf. It permanently closed on 1 July 2026.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9651\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9651\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> When did the ATO super clearing house close? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9651\" class=\"elementor-element elementor-element-29a9330 e-con-full e-flex e-con e-child\" data-id=\"29a9330\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d2461a elementor-widget elementor-widget-text-editor\" data-id=\"6d2461a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThe SBSCH closed permanently on 1 July 2026. New registrations stopped on 1 October 2025, and existing users could submit contributions until 11:59 pm AEST on 30 June 2026.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9652\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9652\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What happens if I miss the SBSCH closure deadline? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9652\" class=\"elementor-element elementor-element-c30f920 e-con-full e-flex e-con e-child\" data-id=\"c30f920\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aec9f59 elementor-widget elementor-widget-text-editor\" data-id=\"aec9f59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tSuper guarantee contributions for the June 2026 quarter are still due on 28 July 2026 and must be paid through an alternative SuperStream-compliant method. Missing this triggers the Superannuation Guarantee Charge \u2014 unpaid super, 10% interest, and a per-employee admin fee.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9653\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9653\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is there a free replacement for the Australian super clearing house? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9653\" class=\"elementor-element elementor-element-e332094 e-con-full e-flex e-con e-child\" data-id=\"e332094\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-def280a elementor-widget elementor-widget-text-editor\" data-id=\"def280a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tThere&#8217;s no free government replacement. However, some super funds \u2014 including AustralianSuper \u2014 offer free employer clearing house portals. Payroll software with built-in super (like Xero) is another option, though software subscription costs apply.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9654\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9654\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is Xero Payday Super? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9654\" class=\"elementor-element elementor-element-1e79c3b e-con-full e-flex e-con e-child\" data-id=\"1e79c3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fe7240 elementor-widget elementor-widget-text-editor\" data-id=\"6fe7240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tXero&#8217;s Auto Super feature processes super contributions automatically as part of each pay run, submitting them through a SuperStream-compliant clearing house built into Xero Payroll. It removes the need for a separate clearing house entirely.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9655\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9655\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is Payday Super and how does it affect my business? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9655\" class=\"elementor-element elementor-element-efb0960 e-con-full e-flex e-con e-child\" data-id=\"efb0960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c07c29a elementor-widget elementor-widget-text-editor\" data-id=\"c07c29a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tPayday Super requires employers to pay super at the same time as wages, with contributions reaching the employee&#8217;s fund within seven business days. It applies to all Australian employers from 1 July 2026 and replaces the previous quarterly payment model.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What was the Small Business Superannuation Clearing House?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The SBSCH was a free ATO service that let eligible small businesses pay all employee super contributions in one transaction. It distributed payments to individual super funds on the employer&#8217;s behalf. It permanently closed on 1 July 2026.\"}},{\"@type\":\"Question\",\"name\":\"When did the ATO super clearing house close?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The SBSCH closed permanently on 1 July 2026. New registrations stopped on 1 October 2025, and existing users could submit contributions until 11:59 pm AEST on 30 June 2026.\"}},{\"@type\":\"Question\",\"name\":\"What happens if I miss the SBSCH closure deadline?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Super guarantee contributions for the June 2026 quarter are still due on 28 July 2026 and must be paid through an alternative SuperStream-compliant method. Missing this triggers the Superannuation Guarantee Charge \\u2014 unpaid super, 10% interest, and a per-employee admin fee.\"}},{\"@type\":\"Question\",\"name\":\"Is there a free replacement for the Australian super clearing house?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There&#8217;s no free government replacement. However, some super funds \\u2014 including AustralianSuper \\u2014 offer free employer clearing house portals. Payroll software with built-in super (like Xero) is another option, though software subscription costs apply.\"}},{\"@type\":\"Question\",\"name\":\"What is Xero Payday Super?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Xero&#8217;s Auto Super feature processes super contributions automatically as part of each pay run, submitting them through a SuperStream-compliant clearing house built into Xero Payroll. It removes the need for a separate clearing house entirely.\"}},{\"@type\":\"Question\",\"name\":\"What is Payday Super and how does it affect my business?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Payday Super requires employers to pay super at the same time as wages, with contributions reaching the employee&#8217;s fund within seven business days. It applies to all Australian employers from 1 July 2026 and replaces the previous quarterly payment model.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If your business has been using the ATO&#8217;s free service to pay employee super, you need to act now. The Small Business Superannuation Clearing House has permanently closed and any business still relying on it to meet super obligations is already exposed. This guide covers what the SBSCH was, why it closed, the key dates [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19628,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Small Business Superannuation Clearing House : 2026 Guide<\/title>\n<meta name=\"description\" content=\"Learn what the SBSCH closure means for Australian small businesses, key dates, alternatives and how Xero supports the transition to Payday Super.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"shwetha\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Small Business Superannuation Clearing House : 2026 Guide","description":"Learn what the SBSCH closure means for Australian small businesses, key dates, alternatives and how Xero supports the transition to Payday Super.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"twitter_misc":{"Written by":"shwetha","Est. reading time":"8 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