27 May 2026
From 1 July 2026, changes to Australia’s super laws will affect how employers pay super contributions.
Instead of employers making super contributions quarterly, under the new Payday Super rules, super contributions will generally need to be received by an employee’s super fund within 7 business days of payday.
For many people, this could mean seeing super contributions appear in their super account more regularly than they do today.
Why this is good news for you
More frequent super contributions mean your money starts working for you sooner through earlier investment, helping you build more savings for your future over time. It can also make it easier to track contributions and monitor your super account regularly.
What this means for you
Although super will be processed alongside your pay, contributions won’t always appear in your account immediately. In most cases, contributions may take up to 7 business days to appear in your super account after payday.
If you’re starting a new job or have recently changed super funds, the first contribution to your new account may take up to 20 business days while your details are verified and updated.
Important: Keep your details up to date
Accurate information helps reduce delays and processing issues. When your employer submits super contributions, the details they hold for you need to match the records held by your super fund so contributions can be processed correctly and without delay.
It’s important to make sure the following details held by your employer and your super fund match:
first name
surname
Tax File Number (TFN)
date of birth
You should also let your employer know if your super fund details change (for example, if you elect to transfer your benefit to another fund).
While optional, keeping your contact details (phone number, email and home address) current with your super fund can also help you stay informed about your account and ensure you don’t lose access.
Keep track of your super
With super contributions becoming more visible and regular, now is a good opportunity to check your payslips and monitor your super account more frequently.
Logging into your online account or mobile app regularly can help you:
keep track of employer contributions
monitor your account balance
check that contributions are being received correctly
identify any issues early if something doesn’t look right
If you haven’t already set up online access for your super account, now is a great time to get started so you can easily keep track of your super and stay informed about your account activity.
Salary sacrifice contribution timings
If you currently have arrangements with your employer to make salary sacrifice contributions to your super, these will continue. How frequently your employer makes these contributions will depend on their processes, but will be at least quarterly.
If you’re unsure how your salary sacrifice contributions will be handled, speak with your employer or payroll team.
Information for higher income earners
From 1 July 2026, limits on compulsory employer super contributions will generally move from a quarterly basis to an annual basis under the new Payday Super rules.
This may be relevant if you:
receive bonuses, commissions or variable income
have multiple employers
salary sacrifice into super
are close to contribution caps
For some people, this may change the timing and pattern of employer super contributions received throughout the financial year.
If you think these changes may affect you, review your contributions regularly through your online account or speak with a Child Care Super Coach, your financial adviser or tax adviser.
Frequently Asked Questions
What is Payday Super?
Payday Super is a change to how often super contributions are paid. From 1 July 2026, employers will generally need to ensure super contributions are paid more closely in line with employee pay cycles, rather than quarterly.
Will my super appear in my account on payday?
Not necessarily. While super will be processed alongside your pay, it may take up to 7 business days for contributions to appear in your super account.
What details should I check with my super fund?
You should check that your first name, surname, Tax File Number (TFN) and date of birth held by your employer and super fund match. It’s also a good idea to ensure your home address, email address and phone number are current.
Why hasn’t my super contribution appeared yet?
While super contributions are processed alongside your pay, they may not appear in your super account immediately. Employers generally need to ensure contributions reach your super fund within 7 business days of payday (20 business days if you’ve recently started a new job or changed your super fund).
If your contributions are not showing in your super account within the above timeframes speak with your employer’s payroll team as there could be a problem matching your employee details with your super fund membership details.
What happens if I change my super fund?
If you change super funds, make sure you tell your employer. The first contribution to your new fund may take up to 20 business days while updated details are checked and processed.
Will Payday Super change my take-home pay?
No. Payday Super changes when super contributions are paid, not how much you are paid.
Why are the Payday Super changes being made?
The changes are designed to improve the visibility and timeliness of super contributions and help reduce unpaid or delayed super.
Why is more frequent super beneficial?
More frequent contributions may allow your super to be invested earlier and can make it easier to keep track of payments over time.
What should I do if I think something is wrong with my super?
Start by checking your payslip and super account. If something doesn’t look right, speak with your payroll team. If you need to contact us, you can call 1800 060 215 or email info@childcaresuper.com.au for assistance.