Small Business Superannuation Clearing House is shutting down – Here’s what small businesses need to know

What’s changing and when? 

• The ATO’s Small Business Superannuation Clearing House (SBSCH) will be closed to new users starting 1 October 2025. 

• It will fully close and stop servicing existing users on 1 July 2026. 

This is part of the wider Payday Super reform, aiming to align super payments with employee paydays 

Who’s affected? 

The SBSCH currently helps small employers: those with fewer than 20 employees or under $10 million turnover pay all their staff’s super in one go. It’s a free, government run service. 

Why it matters 

All employee’s super is required to be paid following SuperStream standards. The SBSCH has been a simple, cost-free convenience for many small businesses to meet SuperStream standards. Its closure means an increase in potential costs as you will now be forced to find for an alternative SuperStream compliant clearing houses or payroll software that may charge you fees.  

What you should be doing now 

Start planning early. Here’s how: 

1. Audit your current setup: do you use the SBSCH? 

1. Explore alternatives: Look at alternatives clearing houses, super fund portals or payroll software that have their own clearing houses. 

1. Update your systems: If your payroll or accounting software handles super contributions, ensure it’s ready and tested your payroll. 

1. Train your team: Ensure any staff involved understand the new process to prevent mistakes or delays. 

1. Pay super more often: If cashflow permits try bringing the super payment forward to get used. 

Final things to note 

Xero now offers auto super on all their consumer subscription plans making it easy to be SuperStream compliant. Check with your default super fund if they offer a free or low-cost clearing house for you to use. 

What is a default super fund? 

Every employer must nominate a default superannuation fund. This is the fund that receives super contributions for any employee who has not chosen their own fund and does not have an existing “stapled” fund linked to them.