The Small Business Superannuation Clearing House Is Closing: What It Means for You

If your business uses the ATO’s Small Business Superannuation Clearing House (SBSCH) to pay employee super, big changes are coming. From 1 October 2025, the service will close to new registrations, and all users will need to switch to alternative platforms before 1 July 2026.

Here’s what the closure means, how to prepare, and where to go next.

Why the SBSCH Is Closing

The SBSCH was introduced to make paying super easier for small employers. With new digital standards such as SuperStream 2.0 and the upcoming Payday Super Reform, the ATO is retiring older systems to simplify and modernise super payments.

This move aims to make super payments faster, reduce late contributions and ensure employees’ retirement savings reach their funds on time.

When the SBSCH Will Close

  • 1 October 2025: No new employers can register.

  • 30 June 2026: Last day to make payments through the SBSCH.

  • 1 July 2026: The system fully closes as Payday Super takes effect.

If you haven’t transitioned by then, your business may be unable to meet its super obligations.

What You Need to Do Now

  1. Review your payroll software
    Make sure your system supports SuperStream 2.0 standards or integrates with a clearing-house provider such as Xero, MYOB or QuickBooks.

  2. Choose a new clearing house early
    Avoid the rush by moving before June 2026. Look for options that handle multiple super funds, automate reporting and track payment status.

  3. Check employee details
    Verify that TFNs, super fund numbers and contribution categories are up to date. Errors delay payments and could breach super laws.

  4. Update your processes
    Once you switch systems, set new reminders for contribution deadlines – ideally align them with your regular pay cycle.

What Happens If You Don’t Transition

Missing the deadline could mean late super payments and possible penalties under the Superannuation Guarantee Charge (SGC).
Late payments aren’t tax-deductible and could affect your employees’ entitlements. Acting early keeps you compliant and saves time.

How Carmody Accounting Can Help

At Carmody Accounting Penrith, we help local businesses simplify super obligations and transition smoothly to modern systems. We can:

  • Review your payroll and super set-up for compliance with Payday Super rules.

  • Recommend clearing-house providers that integrate with your existing software.

  • Assist with onboarding and ATO reporting so you avoid penalties.

Need Help Moving Away from the SBSCH?

Don’t leave it to the last minute. Book a free 15-minute consultation with Carmody Accounting to discuss your super payment options and stay ahead of the 2026 changes.

[Book Your Free Consultation →]

FAQ

Q1. When will the SBSCH stop accepting new users?
Registrations close on 1 October 2025, so new employers must choose an alternative platform after that date.

Q2. Can I still make payments through the SBSCH before it closes?
Yes, but you must finalise all super payments before 30 June 2026. After that, the system will shut down.

Q3. What’s the easiest way to replace the SBSCH?
Use your accounting software’s integrated clearing house or a registered SuperStream-compliant provider recommended by your accountant.

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