New Payday Superannuation legislation introduced

Protecting and growing your financial future

We wanted to let you know about  an important development in Australian superannuation law that was recently introduced to Parliament.

On 9 October 2025, the Federal Government introduced the Treasury Laws Amendment (Payday Superannuation) Bill 2025. This legislation, will change the timing of how superannuation contributions are paid by employers on your behalf.
 

What is 'Payday Super'?

Currently, employers are generally only required to pay their employees’ Superannuation Guarantee contributions four times a year (quarterly). Whilst some employers have already adapted to this new requirement, they’re not formally required to.

The new Payday Super legislation proposes to change this requirement, mandating that employers pay Superannuation Guarantee contributions at the same time as their employees' salary and wages, typically each week, fortnight or month – depending on the employers pay cycle. Contributions must reach your superannuation fund within seven business days of your payday.

This isn't just an administrative change; it has the potential to boost to your retirement savings:

• Harnessing compounding: By having your super invested weeks or months earlier, your money will start earning returns sooner. This "money working harder, sooner" effect is a powerful wealth builder. The Government estimates that a median 25-year-old worker could be around $6,000 better off at retirement from this move from quarterly to more frequent payments.
• Protection and transparency: The shift makes it easier for you to verify your super payments are being made, as you can align your payslip immediately with your super account statement or via your super providers online portal. This increased visibility is key to helping reduce the serious issue of unpaid super, safeguarding your retirement savings, and helping the ATO track non-compliance more effectively.
   

Next steps

The 1 July 2026 start date is quickly approaching.

We encourage you to regularly review your superannuation statement or online portal to confirm your super contributions are being received correctly and check the details of any insurance cover you hold within your super fund. Earlier, more regular Superannuation Guarantee payments may help create a more resilient financial position for your retirement .

At Resolution Life, we are committed to providing you with the insights you need to confidently manage and protect your financial future. Log into the My Resolution Life portal to access your policy and contribution information. 
 

Source:
https://www.ato.gov.au/about-ato/new-legislation/in-detail/superannuation/payday-superannuation