You don’t need to work in higher education or research to access UniSuper's exceptional service for employers.
As a proud industry fund with competitive long-term performance*, we offer you great value and low fees. We’re open to all Australians and welcome like-minded forward-thinking partners.
The super guarantee (SG) rate is the minimum amount you must pay into your employees’ super fund. The SG rate in Australia is 11% per annum and is set to rise by 0.5% per year till it reaches 12% in July 2025.
Generally, an employee must be paid super if they’re:
- 18 years old or over
- under 18 years and work more than 30 hours per week.
Visit the ATO website for more information about paying the super guarantee.
Due dates for contributions
You must make super contributions at least once a quarter. Your employment agreement may require you to pay more frequently.
|1 July - 30 September
|1 October - 31 December
|1 January - 31 March
|1 April - 30 June
Your contributions need to follow the SuperStream standard and regulations. The SuperStream reforms require employers to:
- provide minimum mandatory data required to allocate a contribution
- send all data and contribution payments electronically
- link data and money with a unique payment reference number
- ensure data and payments are sent on the same day
- respond to fund requests for complete information within 10 business days.
Setting up a clearing house ensures your contributions are SuperStream compliant. We suggest contacting a clearing house to establish a compliant method of making contributions to UniSuper.
Visit the ATO website to learn more about SuperStream for employers.
A clearing house is a SuperStream compliant system where you pay all your employees’ super through a single payment.
All employees’ super information is consolidated into a single list and payment details. Once paid, the Clearing House will then distribute these super payments to all the different super funds.
We can’t endorse any particular clearing house systems.
You may claim a tax deduction for the total of any super contributions made on behalf of employees to a complying super fund.
Visit the ATO website to learn more about tax deductions for super contributions.
Frequently asked questions
Can I make UniSuper the preferred (default) fund for all my employees?
Why do I need to register my business?
Registering your business helps us get in touch if there’s any complications with your super contributions.
Visit our registration page to provide your details. We’ll send you an email confirmation within 3-5 working days with your employer account number and details.
Alternatively, we can create an account for you over the phone. Contact us at 1800 331 685 (8:30am-6:00pm Melbourne time, Monday-Friday).
How do I clear an error which is stopping my contribution being allocated to my employee?
If we have your company contact details, we’ll let you know about any error. You can fix errors by following the instructions below.
If the information you provided is incorrect
Sometimes a name or date of birth is incorrect, or the member updates their details with us but didn't let you know before you sent your next payment file, meaning it no longer matches our system.
To get this fixed, email the below template with corrected details and subject line: ‘Employer number/Contribution processing’, to email@example.com
You’ll receive a notice if we need further information or a written confirmation on completion of your request.
Important: Please ensure when correcting errors, that your clearing house or payroll system is also updated to reflect these changes, to avoid issues with future payments.
If the information you provided is correct
This may indicate that the employee needs to update their super account details.
Please advise your employee to contact us so we can help them update their account. You can avoid the contribution being refunded if this is done prior to the deadline we provide you.
How do I request a previous contribution be refunded or adjusted?
My employee has changed their name, what do I do?
If the information on your contribution advice no longer matches the information held on the employee’s account, the funds won’t be allocated and is at risk of being refunded.
We recommend checking with your employee that they’ve updated their name with their super fund. You should then update your payroll or clearing house system as soon as possible.
Why was my contribution refunded?
This normally means we’re missing information, or the information provided doesn’t match what we have on file.
We’ll contact you and your employee to advise that we’re having trouble allocating the contribution. We’ll identify the issue that’s preventing us from allocating the contribution, provide the instructions to correct the error and the deadline we must be contacted by.
UniSuper can only hold pending contributions for 23 days before they’re returned to the sender.
If you haven’t received any correspondence regarding your refund, let us know so we can make sure your account information is complete and up to date.
If you’re having trouble repaying the refunded contribution through your clearing house or payroll system, contact us directly for assistance. Call us 1800 331 685.
How do I record an employee’s extra contributions to their super?
Your clearing house should allow you to choose what types of contributions you’re submitting for your employees. You can specify how the funds should be classified when they’re distributed to the employee’s super account.
If I’m a sole trader, how do I make contributions to myself?
How do I know if an employee is eligible to choose their super fund?
Most employees are eligible to choose what fund their super goes into. Although, exceptions may apply.
The introduction of ‘super stapling’ as of 1 November 2021 means working Australians are now linked or ‘stapled’ to one super fund for life unless they choose otherwise.
If you have new eligible employees starting from 1 November 2021 or after, you must provide them with a Standard Choice form within 28 days of their start date.
If they don’t choose a super fund, you may need to request their ‘stapled super fund’ details from the ATO, to comply with choice of fund rules.
Learn more about super stapling for employers and how this may affect your onboarding process.
Is UniSuper a complying fund?
What happens when my employee takes leave?
Super is calculated based on an employee’s ‘ordinary time earnings’ (OTE). You’re not required to pay super when you’re not paying your employee’s OTE.
There are certain types of leave which do require you to pay an employee’s super, including annual leave, long-service leave or paid sick leave.
The ATO has a useful guide which outlines what constitutes as OTE.
What ATO obligations do I need to consider?
For any further queries you may have regarding your super obligations, the ATO has prepared a comprehensive guide to help employers with their obligations when paying super. You can find this on the ATO website at Super obligations for employers.