Payday super has been legislated, which means employers must pay your super at the same time as your salary or wages. It could help your super grow a bit faster.

Your super will be paid sooner under payday super laws

Under the payday superannuation rules, your employer will have to pay you super when they pay you, whether that’s weekly, fortnightly, or monthly. Right now, employers can pay super as often as they like, or as little as every 3 months.

Your employer might already pay your super on your payday. But if not, these changes could help your super balance grow a bit faster.

Super could potentially grow a bit faster

If you only get paid super every 3 months, your money spends less time invested in your super. With less time to invest, you might retire with a bit less money than someone who gets their super paid more regularly.

According to government research, ‘By switching to payday super, a 25-year-old median income earner currently receiving their super quarterly and wages fortnightly could be around $6,000 or 1.5% better off at retirement.’ ¹

Payday super laws begin July 2026

Payday super is on the way, the changes will take effect on 1 July 2026.

What else to expect from payday super laws

It’ll be easier to know if your employer underpaid (or didn’t pay) your super

Under the new laws, your employer must pay your super within 7 business days after paying your salary or wages. It’ll make it easier for you to keep track of how much super your employer’s paying you.

If you get paid every other Wednesday, for example, your super fund will have to receive it by the following Friday at the latest. They then have 3 business days to put it into your account. So in this case that would mean your super should be in your account by the following Wednesday – your next payday.

Employers who fall behind will face tougher penalties

If your employer doesn’t pay your super in full and on time, the ATO could charge them interest and/or other penalties.

Exceptions to these rules

1. If you start a new job from 1 July 2026, your new employer will have 20 business days from your first payday to pay your super fund.
2. If you ask your employer to pay your super into a different fund, they’ll have 20 business days from your payday to pay your new super fund.

What you need to do to get ready

Make sure your details are up to date. Check your employer is paying your super into the fund you want. Let your employer know if anything’s changed.

For business owners looking to get payday super ready, check out our Super Payments Marketplace. By partnering with some of the biggest payroll software providers in the business we can help you stay in control and on top of your super obligations, with one click of a button.

Want to know more?

You can visit our Knowledge Hub which has all the updates to keep you informed. 

Knowledge Hub

Important information

1. Introducing payday super | Treasury Ministers ↩︎

Disclaimer:

This is general information. It’s not based on the specific objectives, financial situation or needs of your business. So think about those things and contact your payroll provider for a copy of Beam Product Disclosure Statement (PDS). You should also read the relevant Product Disclosure Statement and Target Market Determination for Australian Retirement Trust products before you make any decision about those products.  

Precision Administration Services Pty Ltd (Precision) (ABN 47 098 977 667, AFSL 246 604) issues Beam. Precision is wholly owned by Australian Retirement Trust Pty Ltd (the Trustee) (ABN 88 010 720 840, AFSL 228 975), trustee of Australian Retirement Trust (‘the Fund’ or ‘ART’) (ABN 60 905 115 063). Precision issues the information in this email about Beam. The Trustee issues all information about the Fund.

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