ATO’s Super Clearing House Is Closing: What You Need to Know

by | Sep 30, 2025 | Uncategorised

Big changes are coming for small businesses. As part of the Australian Government’s Payday Super reform, the Small Business Superannuation Clearing House (SBSCH) will officially close on 1 July 2026. This marks a significant shift in how employers manage superannuation contributions, and it’s time to prepare.


Why Is the SBSCH Closing?

The SBSCH was built for a quarterly payment model. But under the new Payday Super legislation, employers must pay super contributions at the same time as wages. That means the old system is no longer fit for purpose.

The ATO is retiring the SBSCH to align with this modernised approach, ensuring super reaches employees faster and more reliably.

Key Dates to Remember

  • 1 October 2025: No new registrations for SBSCH.
  • 30 June 2026: Final date to submit contributions via SBSCH.
  • 1 July 2026: SBSCH officially shuts down.

What Should Businesses Do?

If you currently use the SBSCH, it’s time to explore alternatives. The ATO recommends transitioning early to avoid disruption.

Your Options:

  1. Payroll Software
    Most modern platforms (e.g. Xero, MYOB, QuickBooks) offer integrated super payment features.
  2. Super Fund Clearing Houses
    Many super funds provide clearing house services – some free, some manual.
  3. Commercial Clearing Houses
    These offer automation and compliance support but may charge fees.

Tips for a Smooth Transition

  • Review your payroll system: Ensure it supports payday super.
  • Talk to your super fund: Ask about their clearing house options.
  • Plan for costs: The SBSCH was free whilst alternatives may not be.
  • Update your processes: Super payments will now be part of every pay run.

Final Thoughts

The closure of the SBSCH is more than a technical change, it’s a cultural shift in how we think about employee entitlements. By acting early, small businesses can stay compliant, avoid penalties, and ensure their teams are looked after.

If you have any questions in relation to any of the details mentioned above, please contact our office or book a meeting through Calendly here.

Kind Regards,

Eric Cirulis
Director/CEO