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Paying contributions

Robust and reliable administration

Our digital Employer Portal is fully SuperStream compliant, and you can use it to make super payments for your employees – even if they’re not with Equip Super – so you can save time by paying all your contributions at once.

The portal provides a simple, flexible and efficient system for:

remitting contributions
adding new members
removing exiting employees
checking employee super records.

And it’s all supported by a dedicated helpline should you have any queries or need any assistance.

It’s easy to register for an Employer Portal account. To register your business, simply head to our website and complete the online registration form.

Understanding your super obligations to your employees

Super Guarantee (SG)

The Australian Government requires employers to provide a minimum level of superannuation to help employees save for their retirement.

Generally speaking, you must pay superannuation of 12% on top of your employees’ wages (for financial year 2026-27). One exception is for employees who are under the age of 18 and work less than 30 hours per week.

These compulsory superannuation payments are called Superannuation Guarantee (SG) contributions:

For financial year 2026-27, the SG is 12% of an employee’s ordinary time earnings.
You must pay Super Guarantee (SG) in line with Payday Super legislation. Your SG contribution is on time if it is received by your employee's super fund (with all the necessary information to allocate the contribution to the employee's member account) within 7 business days after paying your employee. You may have longer to make the contribution in some situations (eg new staff or staff who have changed their choice of fund). Refer to the ATO for more information: https://www.ato.gov.au/businesses-and-organisations/super-for-employers
You must pay and report super electronically in a standard format, ensuring you meet SuperStream requirements.
Your super payments must go to a complying super fund – most employees can choose their own fund.
If you don’t pay the SG on time, you may have to pay the super guarantee charge. Where your super contribution is unpaid, paid late, underpaid or paid to the wrong fund, you are liable to the super guarantee charge and the ATO will issue you a notice of assessment.

Passing on your employee’s tax file number (TFN)

When an employee starts work with you, it’s important they provide you with their Tax File Number (TFN) using the Australian Tax Office (ATO) TFN declaration form. You’ll then need to pass this on to us:

within 14 days of receiving the completed form from your employee, or
when you make the first SG contribution on their behalf.

If we don’t have your employee's TFN, they could unnecessarily pay tax at the highest marginal tax rate.

Making super payments for your employees

How often do you need to pay?

Since 1 July 2026 and the commencement of Payday Super legislation, super needs to be paid in line with your staff’s regular pay cycles. There are some exceptions for irregular payments, for example bonuses, which may be paid when the next regular pay cycle falls. There are also lengthened timelines for new starters and those who change their Choice of Fund. Refer to the ATO website for more information at https://www.ato.gov.au/businesses-and-organisations/super-for-employers

How much do you need to pay?

Superannuation Guarantee is calculated as 12% of your staff’s Qualifying Earnings (QE). QE replaces Ordinary Times Earnings (OTE) as the basis for SG from 1 July 2026. You may be required to pay more super under an industrial award, enterprise agreement or individual contract. To check which payments are QE, please refer to the ATO website at https://www.ato.gov.au/businesses-and-organisations/super-for-employers/paying-super-on-payday/what-payments-are-qualifying-earnings

ATO website link

Claiming tax deductions

You may claim a tax deduction for the super payments you make for your employees within the same financial year that you make them.

For more information on super and tax, contact the ATO.

ATO employers resource

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