Super
The ATO Clearing House Closes 30 June 2026 — What To Do Now
The Small Business Superannuation Clearing House (SBSCH) closes at 11:59pm AEST on 30 June 2026. It already stopped taking new registrants from 1 October 2025. If you use it to pay super, here's exactly what to do — and download your records — before it shuts and payday super starts.
If you pay super through the Small Business Superannuation Clearing House (SBSCH), your hard deadline is actually a day earlier than payday super itself. The SBSCH closes at 11:59pm AEST on 30 June 2026 — and payday super starts the next morning. This page is the practical "what to do now" list so you migrate cleanly, save your records, and don't miss your first payday super deadlines.
General information only — not financial, tax, superannuation, or legal advice. Confirm your migration with the ATO (ato.gov.au) or a registered tax or BAS agent before acting.
The timeline in three dates
- 1 October 2025 — the SBSCH closed to new registrants. If you weren't already using it, you can't start.
- 11:59pm AEST 30 June 2026 — the last moment existing users can use it.
- 1 July 2026 — from this date the SBSCH can no longer make payments or download records, and payday super starts.
The ATO's pages on preparing for SBSCH closing and how to transition from the SBSCH are the official references.
What to do now — the migration checklist
1. Confirm whether you actually use the SBSCH
If your super already goes out through your payroll/accounting software's super feature, you may not be on the SBSCH at all — check before you do anything else.
2. Choose your replacement path
You have three main options:
- Super functions in your payroll/accounting software — e.g. Xero or MYOB, QuickBooks or Reckon. Often the simplest if you already run payroll there.
- A commercial clearing house — a paid service that submits to funds.
- A super-fund option — some funds offer an employer clearing-house facility.
3. Check the replacement's turnaround in business days
This is the step that matters most for 1 July 2026. Because super must be received by the fund within 7 business days of payday, you need to know — in writing — how many business days your new path takes end to end. A replacement that's slower than the SBSCH could put you at risk even though it's "newer." See the 7-business-day rule.
4. Download and save your SBSCH records
Once it closes you cannot retrieve them. Before 30 June 2026, export and store:
- payment history,
- employee and fund details you entered,
- any reports you'll need for reconciliation or audit.
5. Set up and test the new path in June
Don't make 1 July your first real run. During June 2026, process a dummy super batch through the replacement path and confirm the fund's received date is comfortably inside 7 business days. This is point 12 of the readiness check.
6. Update your process and owner
Per-payday super is a recurring task, not a quarterly one. Confirm who runs it, who checks the money was received, and who handles a bounced payment.
How this fits the bigger change
Migrating off the SBSCH is one piece of getting ready for payday super. The other pieces — confirming your software is payday-super-ready, mapping which pay items are now Qualifying Earnings, and planning the cashflow timing shift — are all in the complete employer guide. To see the cash impact and watch the live countdown to both 30 June and 1 July, open the free cashflow calculator.
Done-for-you · editable templates
The Payday Super Compliance Pack
Operationalise the 1 July 2026 change in an afternoon instead of building every document from scratch. Editable, AU-specific templates a small employer or bookkeeper can adopt today — each one carrying the not-advice disclaimer and ATO source citations.
- Payday Super policy template (.docx) — pay-on-payday, the 7-business-day received standard, QE basis, choice-of-fund, a process owner. Fill-in-the-blanks.
- Payroll-process SOP (.docx) — the per-payday runbook: calculate 12% of QE, submit early, confirm received within 7 business days, STP report, reconcile, handle exceptions. With a RACI line.
- Employee comms templates (.docx) — staff announcement, "confirm your fund details" request, choice/stapled-fund notice, and a staff FAQ. Copy, paste, send.
- Cashflow plan template (.xlsx) — super outflow per pay run vs the old quarterly lump, a buffer/runway calculator, and a 12-week timing view. Pre-built formulas.
- Bonus: 7-business-day deadline calculator (.xlsx) — enter a payday, get the "must be received by" date. The most-shared artifact.
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General information only — not financial, tax, superannuation, or legal advice. The Pack is a set of editable templates and education, not regulated advice. Every figure and date is based on published ATO guidance current as at 8 June 2026, which can be updated before 1 July 2026; confirm your obligations with the ATO or a registered tax or BAS agent before acting.
Where to go next
- Check you're ready → Am I ready for payday super? The 12-point check
- Set it up in software → Xero & MYOB · QuickBooks & Reckon
- See your numbers → Payday Super cashflow calculator (free, no email)
- Read the full guide → Payday Super: the complete employer guide
General information only, current as at 8 June 2026, based on ATO published guidance — not financial, tax, superannuation, or legal advice. Dates and steps are based on published ATO guidance which can be updated before 1 July 2026; confirm your migration on the ATO's prepare for SBSCH closing page and with a registered tax or BAS agent before acting.