How super works

Superannuation or ‘super’ is for the most part a compulsory means of saving for retirement throughout working life.

As such, super is likely to be one of the largest investments a person will make in their lifetime.

As an employer of staff, you are currently required to contribute 9.5% of your eligible employees’ ordinary time earnings to super, called Superannuation Guarantee or SG contributions.

The current SG rate is scheduled to increase incrementally until it reaches 12% in the future. To confirm the most up to date rate, please check the ATO website.


An employer must make SG contributions where an employee is:

You need to pay SG contributions at least once every quarter for eligible employees and cut-off dates for payments apply. See Pay super now for more information.

For more information about employers’ super obligations, visit the ATO website at

Super payments must be made via an ATO approved electronic system after 1 July 2016. Read about Prime Super’s payment and data solutions at Pay super now and Clearing House.

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Want to know more?

Talk to the Prime Super team - call 1800 675 839

Talk to the Prime Super team