Pay Day Superannuation Reform 2026: What Your Business Needs to Know
- Future Accounting
- Sep 23
- 2 min read
Written by: Melissa Cunliffe (CA)
Your complete guide to pay day superannuation reform 2026
Understanding pay day superannuation reform 2026
The Australian Taxation Office (ATO) has announced that as part of the Pay Day Superannuation Reform 2026, the Small Business Superannuation Clearing House (SBSCH) will be retired from 1 July 2026.
This is a major shift in the way employers are required to pay superannuation. Instead of quarterly payments, businesses will soon need to align super payments with their employees’ regular pay cycles.
How the changes affect your business
If you currently use the SBSCH or your accountant manages super payments via the clearing house, it’s important to start preparing now.
You may need to upgrade your accounting software subscription (such as Xero, MYOB, or QuickBooks) to enable automated superannuation processing.
These updates will help you stay compliant, simplify your payroll processes, and ensure you meet the requirements of the Pay Day Superannuation Reform 2026.
Currently, employers must pay super quarterly, by the 28th of the month following each quarter. For example, September quarter super is due by 28 October 2025. From 1 July 2026, under the new reform, super must be paid at the same time as wages - whether that’s weekly, fortnightly, or monthly.
Next steps to stay compliant and efficient
Major software providers like Xero are already working on updates to support Pay Day Super. Over the coming months, we expect to learn more about:
Which subscription levels will support this feature
How the integration will work
Any setup or transition steps required
Now is the best time to review your current superannuation processes, speak with your accountant or bookkeeper, and check with your software provider about the subscription level you’ll need to support Pay Day Superannuation Reform 2026.
Ready to take action?
Don’t wait until the last minute to prepare. Book an appointment with Future Accounting Group today and let our team guide you through the changes, ensure your systems are ready, and give you peace of mind ahead of Pay Day Superannuation Reform 2026.
Disclaimer
This article does not constitute financial advice and is for general information only. It does not take into account any individual’s personal objectives, situation or needs, and is not intended as professional advice. Any similarity to an individual’s personal circumstances and the examples provided in this article is purely coincidental. Any person acting upon such information without receiving specific advice, does so entirely at their own risk.
Authorisation under an Australian Financial Services Licence (AFSL) is not required in the provision of this article and the author plus Future Accounting Group Pty Ltd is not acting in its capacity as an Australian Financial Services Licence holder
Liability limited by a scheme approved under professional standards legislation.
