91ºÚÁÏ

There are no costs or fees involved in becoming a registered employer with us.Ìý

Generally, all employees are eligible for super guarantee. You must pay super guarantee on payments you make to an employee under 18 years old if they work for you for more than 30 hours in a week, regardless of how much you pay them. Their earnings amount is not relevant.

As an employer, you must pay a minimum of  11.5% of each eligible employee's ordinary time earnings (usually the amount your employee earns for their ordinary hours of work) each quarter. 
If your employees are covered by an award or employment agreement which specifies a higher super contribution than 11.5%, you must pay that higher amount.

These payments may be claimed as a tax deduction. This minimum percentage is projected to gradually go up to 12% by 1 July 2025.

to see how much super you need to pay.

You can make payments when your pay cycle runs; perhaps it’s weekly, fortnightly or monthly. If you do, ensure you pay your total super guarantee (SG) contribution for the quarter by the due date.Ìý

An employee's fund must receive their super payments on or before the quarterly super due dates.Ìý

• 1 July – 30 September due 28 OctoberÌý
• 1 October – 31 December due 28 JanuaryÌý
• 1 January – 31 March due 28 AprilÌý
• 1 April – 30 June due 28 July

When a super due date falls on a weekend or public holiday, your contribution must be received by the fund on or before the next business day.Ìý

This is provided in your welcome email when you register to join 91ºÚÁÏ as an Employer. 
Still can’t find it? Please call our dedicated employer support team on 1300 650 873.Ìý

Member numberÌý- this is used for and by members to gain access to and 91ºÚÁÏ app and is designed to carry through from when they are building their super, right through to retirement. Their member number is available on their profile page. Member numbers are always numeric.

Account numberÌý- is used to identify the member’s individual account with 91ºÚÁÏ - (whether that be Future Saver, Retirement Transition or Retirement Income account). Employees should supply their account number to payroll for their SG contributions to be paid and this is available on the home screen of their 91ºÚÁÏ app or via Member Online. Account numbers may be numeric or alpha numeric.

At 91ºÚÁÏ we invest in many different things, like shares, property and cash. We focus on choosing good-quality investments in Australia and overseas, so we can grow your super over time.Ìý

Learn more about investments at 91ºÚÁÏ

As a registered 91ºÚÁÏ employer, your team members may be eligible to receive automatic insurance within their 91ºÚÁÏ Future Saver account. This includes cover for death, terminal illness and total permanent disablement.

See what insurance we offer

Your insurance category may not be right for all your employees. Your employee can apply to change their cover to give them an insurance category based on their individual occupation, rather than your chosen employer insurance category.

The 91ºÚÁÏ Clearing House simplifies the process of managing super contributions. The 91ºÚÁÏ Clearing House, via SuperChoice:Ìý
Ìý

• consolidates multiple super payments into one transaction, ensuring compliance with regulations and saving time on administrationÌý
• allows you to send contribution data for all of your employees to one place with a single paymentÌý
• distributes data and payments to each super fund on your behalf in a format compliant with the government’s SuperStream data and payment standard.Ìý

SuperStream is part of the Stronger Super reforms aimed at improving the superannuation system.ÌýAll employers must pay employee superannuation guarantee (SG) contributions to superannuation funds.

SuperStream is the way all employers must pay employee superannuation guarantee contributions to super funds. With SuperStream, money and data are sent electronically in a standard format.Ìý

This means you’ll need to:
Ìý

• make contribution payments electronicallyÌý
• include mandatory SuperStream data needed to manage your employees’ recordsÌý
• use a SuperStream compliant method to pay contributions to your employee's super fund, for example a clearing house service.Ìý

If your employee advises their contribution is not in their super fund account, check that a response message has not been sent via your Clearing House service. If you are using 91ºÚÁÏ Clearing House and there is no error response, please call us on 1300 878 737 for guidance. We’re available: Monday to Friday 8:30am to 5:30pm (AEST/AEDT).

If you employ 20 or more employees, the 91ºÚÁÏ Clearing House is a good solution, allowing you to make compliant contributions in one transaction.

To access the 91ºÚÁÏ Clearing House, you need to be registered with us, which will allow you to access the Clearing House for free.