With Payday Super coming into effect and major changes on the horizon, small businesses need to prepare now. One of the biggest updates is the permanent closure of the Small Business Superannuation Clearing House (SBSCH) on 1 July 2026.
If your business currently uses the SBSCH to process superannuation payments, now is the time to review your processes and transition to an alternative solution.
Why You Need to Act Now
Transitioning early will help your business:
- Avoid delays when the SBSCH shuts down and ensure you’re ready for more frequent super payments under Payday Super.
- Have processes in place to pay super for the January–March and April–June quarters if you currently pay quarterly.
- Reduce the risk of late SG payments for the April–June 2026 quarter (due 28 July), as the SBSCH will already be closed by then.
- Manage cash flow more effectively by preparing for more frequent SG payments.
- Download all relevant reports and finalise any payments before the SBSCH becomes unavailable.
Key Dates to Be Aware Of
If you are still using the SBSCH, these dates are critical:
- 10 December 2025: Super payments and instructions must be submitted by 5:30pm AEDT. Anything received after this deadline will not be processed until 2 January 2026.
- 28 January 2026: Super Guarantee (SG) quarterly payments due.
- February–March 2026: Recommended timeframe to move to an alternative super payment provider.
- 28 April 2026: SG quarterly payments due.
- 30 June 2026: Final day to use the SBSCH. Ensure all payments are made and all reports are downloaded.
- 1 July 2026: SBSCH permanently closed.
What Are Your Alternative Options?
The good news is that many businesses may already have suitable alternatives available.
Before searching externally, check your existing accounting, payroll, or workforce management software. Many modern systems already include integrated superannuation clearing functions.
If not, consider options such as:
- Superannuation funds offering their own clearing services
- Commercial clearing houses
- Digital payroll and workforce management providers
Transitioning now reduces risk, avoids payment delays, and ensures your business is fully compliant ahead of Payday Super’s rollout.
Need Help Navigating the Changes?
DGL Accountants can help you:
- Review your current systems
- Identify the most suitable clearing house alternatives
- Prepare your business for the new Payday Super requirements
- Ensure your SG payments remain compliant and on time
If you need guidance, get in touch with the DGL team—we’re here to support your business through every stage of this transition.