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Payday super and real-time payments

Superannuation is evolving, and it’s all about speed, efficiency and better outcomes for retirement.  

Proposed payday super legislation would require
super to be paid at the same time as wages from July 2026

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Super due every payday  

Employers will be required to pay employees’ super at the same time as wages.

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7 days to reach fund

Super contributions must reach employees’ superannuation funds within 7 days of payday.

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Allocate within 3 days

Once received, super funds must allocate or return contributions within three business days (currently 20).

Real-time payments make payday super possible

The NPP, Australia’s real-time payments infrastructure, already supports around $6 billion in payments each day moving quickly and securely between bank accounts using Osko®, PayID® and PayTo®.  
 


To help employers meet their obligations under payday super, the ATO is requiring super funds to be able to receive NPP payments from July 2026.  

However, there’s no need to wait – the capability is already available. To get started with real-time super payments, talk to your bank or payments service provider.

Learn more about the NPP

What real-time payments mean for the superannuation industry

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Super contributions can be made 24/7/365. 
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Real-time payment outcome can help simplify tracking and reconciliation.
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Validation of payee details helps ensure payments are going to the right place.

Resources

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Webinar

Fast, efficient superannuation payments

Discover what faster super payments mean for workers, employers, and funds.

Watch now >

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Flyer
Industry guide

Guidance for super funds and clearing houses on payday super and real-time payments.

Learn more >

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Flyer
Employer guide

Guidance for employers on payday super and real-time payments.

Learn more >

Article
Article
Payday super is coming - are you ready?

By July 2026, super funds need to process real-time payments under payday super reforms. Find out what this means for funds.

Read more >

Real time super FAQ's

Superannuation is evolving, and it’s all about speed, efficiency and better outcomes for retirement.  

Stay in the know

To stay up-to-date with the latest news on Australia’s payments future, subscribe to our news and updates.

Sign me up

Change the way you pay super 

To learn more about the opportunities to transform your super payments, talk to your bank or payments service provider.

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