SuperStream and Super Guarantee in HelloBooks
SuperStream is Australia’s mandatory data and payment standard for super contributions — every employer must send contribution data and payment to super funds electronically in a single standard message. The Super Guarantee (SG) rate is 12% of ordinary time earnings, effective from 1 July 2025. HelloBooks calculates SG on every pay run, applies the stapled-fund rules, builds SuperStream-compliant contribution batches, and reconciles super liability against the bank payment.
SG rate (from 1 Jul 2025)
12%
Of ordinary time earnings (OTE). Final step of the legislated rate increase schedule.
Frequency (today)
Quarterly
Due 28th of the month after each quarter — Oct, Jan, Apr, Jul.
From 1 July 2026
Payday Super
SG must be paid each payday, with funds in the employee account within 7 business days.
Source: ATO — Super Guarantee rate · ATO — Payday Super
Super Guarantee due dates
Until Payday Super begins on 1 July 2026, Super Guarantee is paid quarterly. HelloBooks tracks the due date per quarter and per employee, and flags any contribution at risk of being late.
| Quarter | SG due date |
|---|---|
| Q1 (Jul–Sep) | 28 October |
| Q2 (Oct–Dec) | 28 January |
| Q3 (Jan–Mar) | 28 April |
| Q4 (Apr–Jun) | 28 July |
Source: ATO — How much super to pay
Super contributions dashboard with due-date tracking (illustrative; AU-specific capture pending).
Pay run → SuperStream batch → Reconciled
- 1
Capture super fund details with stapled fund check
When you onboard an employee, HelloBooks captures their nominated super fund (USI/SPIN, ABN, member number) or applies the ATO's stapled fund rules. The data the SuperStream standard requires is collected at the source.
- 2
Calculate the Super Guarantee in each pay run
HelloBooks computes Super Guarantee at 12% of ordinary time earnings (the rate from 1 July 2025) for each pay event, accruing the liability against the employee. Salary sacrifice to super is reported separately under STP Phase 2.
- 3
Build a SuperStream-format contribution batch
When you finalise a contribution period, HelloBooks builds a batch in the SuperStream alternative file format (CSV) — or sends data via your clearing house's SuperStream-compliant connector — including USI, SPIN, member identifier, contribution type and tax codes.
- 4
Pay through a SuperStream channel and reconcile
You pay through a SuperStream-compliant clearing house or the ATO's Small Business Superannuation Clearing House (SBSCH). Once the funds are paid and confirmed, HelloBooks closes the super liability against the bank payment so the balance sheet ties out.
- Stapled fund check is part of new-employee onboarding.
- OTE classification is set per pay item — overtime excluded by default.
- Quarterly today, per-payday from 1 July 2026 — switching is a setting change.
Pay run with super accrued per employee (illustrative; AU-specific capture pending).
Related HelloBooks AU guides
SuperStream and Super Guarantee questions
Ready to automate your books?
Join 2,000+ businesses saving 20+ hours per month. Get started free — no credit card required.