Super clearing houses in Australia allow employers to send one super payment that is distributed to multiple employee funds in a SuperStream-compliant format.
Payroll managers, bookkeepers, accountants and business owners use clearing houses to reduce admin and meet legal super obligations.
This guide provides a complete list of super clearing houses in Australia, explains how they work and outlines how to choose the right option ahead of Payday Super reforms.
Skip ahead to the list of Super Clearinghouses
What Is a Super Clearing House?
A super clearing house processes superannuation contributions to multiple super funds in a single transaction.
Employers submit one payment and one data file. The clearing house distributes funds and contribution data to each employee’s nominated super fund.
Clearing houses are designed to meet SuperStream data and payment standards set by the regulator.
Why Do Employers Use a Super Clearing House?
Super clearing houses reduce administrative workload and compliance risk.
Without a clearing house, employers would need to send separate payments and contribution files to each individual super fund.
Most employers use a clearing house to simplify processing and ensure SuperStream compliance.
How many Super Funds are there in Australia?
As of recent regulatory reporting from APRA (Australian Prudential Regulation Authority):
- There are ~130 APRA-regulated superannuation funds
- Plus 500,000+ Self-Managed Super Funds (SMSFs)
- SMSFs account for over 1 million members
The number of APRA funds changes each year due to mergers.
Over the past decade, consolidation has significantly reduced fund numbers.
List of Super Clearing Houses in Australia
The following super clearing house providers operate in Australia or are commonly used by Australian employers.
| Clearing House | Cost | Integration | Free Option |
|---|---|---|---|
| ATO SBSCH* | Free for eligible businesses | Manual upload | Yes |
| SuperChoice | Paid | Strong API integration | No |
| Westpac QuickSuper | Paid | Bank-linked | No |
| ANZ Clearing House | Paid | Bank-linked | No |
| CBA (partner-based) | Paid | Bank-linked / partner | No |
| NAB (partner-based) | Paid | Bank-linked / partner | No |
| Beam | Paid / payroll-integrated | API-driven | No |
The above list if a sample. View the complete APRA-regulated fund list (excluding Small APRA Funds) on Google Sheets
*The SBSCH will close on July 1, 2026.
🏛 Small Business Super Clearing House (SBSCH)
Australian Taxation Office
- Free for eligible small businesses
- Integrated into ATO Online Services
- SuperStream compliant
- Manual upload workflow
- Basic reporting
Commonly used for small businesses with under 20 employees and straightforward payroll structures.
💼 SuperChoice
SuperChoice
- Paid clearing solution
- API integrations with payroll systems
- Enterprise reporting capability
- Scalable processing
Commonly used for mid to large employers and payroll-integrated environments.
🏦 Westpac QuickSuper
Westpac
- Bank-linked clearing solution
- Paid service
- Batch payment functionality
- Integrated with Westpac business accounts
Commonly used for employers already banking with Westpac.
🏦 ANZ Superannuation Clearing House
ANZ
- Bank-connected clearing workflow
- Paid solution
- SuperStream compliant
Commonly used for ANZ business customers managing super alongside banking.
🏦 Commonwealth Bank Superannuation Clearing (via partnerships)
Commonwealth Bank
- Clearing access via integrated partners
- Bank-linked payment processing
- SuperStream compliant
Commonly used for CBA customers operating within integrated payroll ecosystems.
🏦 NAB Super Clearing (via partner services)
National Australia Bank
- Clearing functionality delivered via partnerships
- Integrated with business banking services
- Paid access
Commonly used for NAB customers seeking consolidated banking and super workflows.
🏦 Beam
Australian Retirement Trust
Clearing service delivered through Beam
- SuperStream compliant clearing system
- Single payment to multiple funds
- API-driven payroll integration
- Payments typically clear within around three business days
- Secure digital processing
Commonly used for payroll-integrated environments and employers preparing for higher-frequency super payments.
What Are SuperStream Compliance Requirements?
SuperStream requires employers to submit super contribution data and payments electronically in a standardised format.
Employers must:
- Use SuperStream-compliant messaging
- Meet quarterly payment deadlines
- Provide accurate member information
- Maintain contribution records
Failure to comply may result in Super Guarantee Charge liabilities, interest and penalties.
How Does ClockOn Integrate with Beam?
ClockOn Online integrates directly with Beam to create an embedded super clearing workflow inside payroll.
There are no SAFF exports.
There are no separate clearing house logins.
There is no duplicate data entry.
Super calculations and payments are managed within the payroll system.
Why Is ClockOn + Beam Built for Payday Super?
ClockOn’s upcoming Payday Super functionality uses Beam’s clearing infrastructure to deliver a compliant end-to-end process.
Key advantages include:
- QE calculations generated automatically every pay run
- Super payments triggered when payroll is finalised
- Payments clearing in around three business days
- Full audit visibility inside payroll
- STP Phase 2 reporting handled in one place
- Reduced reliance on external portals
- Early transition support before July 2026
This approach reduces payroll workload and minimises late payment risk.
SBSCH vs Embedded Payroll Clearing
Practical Example
Under a traditional quarterly model, a multi-site hospitality group calculated super using spreadsheets and processed payments through the ATO SBSCH.
Errors were often identified at quarter end, requiring adjustments and manual reconciliation.
With ClockOn super integration with Beam, super calculations are generated each pay run and payments are triggered automatically at cycle completion.
STP reporting is handled within payroll, reducing double handling and improving visibility.
Outcomes for Employers
Employers using embedded payroll-integrated clearing typically experience:
- Time savings each pay cycle
- Faster identification of errors
- Stronger compliance position ahead of 2026 reforms
- Reduced operational anxiety around SBSCH changes
- Clearer weekly cost visibility for managers
This structure removes the most common causes of late or incorrect super payments.
Frequently Asked Questions
Is the ATO clearing house free?
Yes, the ATO Small Business Superannuation Clearing House is free for eligible small businesses.Do I legally need a super clearing house?
Employers must use a SuperStream-compliant method. A clearing house is the most common solution.Can payroll software replace a clearing house?
Some payroll systems embed clearing functionality directly, removing the need for external portals.How often do I need to pay super?
Currently, super is payable at least quarterly. Payday Super reforms will increase payment frequency.What happens if I miss a super payment?
Late payments can trigger Super Guarantee Charge liabilities including interest and administrative penalties.
