Employer support and FAQ

There are no costs or fees involved in becoming a registered employer with us. 

Generally, all employees are eligible for super guarantee. You must pay super guarantee on payments you make to an employee under 18 years old if they work for you for more than 30 hours in a week, regardless of how much you pay them. Their earnings amount is not relevant.

As an employer, you must pay a minimum of  11.5% of each eligible employee's ordinary time earnings (usually the amount your employee earns for their ordinary hours of work) each quarter. 
If your employees are covered by an award or employment agreement which specifies a higher super contribution than 11.5%, you must pay that higher amount.

These payments may be claimed as a tax deduction. This minimum percentage is projected to gradually go up to 12% by 1 July 2025.

Visit the ATO to see how much super you need to pay.

You can make payments when your pay cycle runs; perhaps it’s weekly, fortnightly or monthly. If you do, ensure you pay your total super guarantee (SG) contribution for the quarter by the due date. 

An employee's fund must receive their super payments on or before the quarterly super due dates. 

• 1 July – 30 September due 28 October 
• 1 October – 31 December due 28 January 
• 1 January – 31 March due 28 April 
• 1 April – 30 June due 28 July

When a super due date falls on a weekend or public holiday, your contribution must be received by the fund on or before the next business day. 

This is provided in your welcome email when you register to join Aware Super as an Employer. 
Still can’t find it? Please call our dedicated employer support team on 1300 650 873. 

Member number - this is used for and by members to gain access to Member Online and Aware Super app and is designed to carry through from when they are building their super, right through to retirement. Their member number is available on their profile page. Member numbers are always numeric.

Account number - is used to identify the member’s individual account with Aware Super - (whether that be Future Saver, Retirement Transition or Retirement Income account). Employees should supply their account number to payroll for their SG contributions to be paid and this is available on the home screen of their Aware Super app or via Member Online. Account numbers may be numeric or alpha numeric.

At Aware Super we invest in many different things, like shares, property and cash. We focus on choosing good-quality investments in Australia and overseas, so we can grow your super over time. 

Learn more about investments at Aware Super

As a registered Aware Super employer, your team members may be eligible to receive automatic insurance within their Aware Super Future Saver account. This includes cover for death, terminal illness and total permanent disablement.

See what insurance we offer

Your insurance category may not be right for all your employees. Your employee can apply to change their cover to give them an insurance category based on their individual occupation, rather than your chosen employer insurance category.

The Aware Super Clearing House simplifies the process of managing super contributions. The Aware Super Clearing House, via SuperChoice: 
 

• consolidates multiple super payments into one transaction, ensuring compliance with regulations and saving time on administration 
• allows you to send contribution data for all of your employees to one place with a single payment 
• distributes data and payments to each super fund on your behalf in a format compliant with the government’s SuperStream data and payment standard. 

SuperStream is part of the Stronger Super reforms aimed at improving the superannuation system. All employers must pay employee superannuation guarantee (SG) contributions to superannuation funds.

SuperStream is the way all employers must pay employee superannuation guarantee contributions to super funds. With SuperStream, money and data are sent electronically in a standard format. 

This means you’ll need to:
 

• make contribution payments electronically 
• include mandatory SuperStream data needed to manage your employees’ records 
• use a SuperStream compliant method to pay contributions to your employee's super fund, for example a clearing house service. 

If your employee advises their contribution is not in their super fund account, check that a response message has not been sent via your Clearing House service. If you are using Aware Super Clearing House and there is no error response, please call us on 1300 878 737 for guidance. We’re available: Monday to Friday 8:30am to 5:30pm (AEST/AEDT).

If you employ 20 or more employees, the Aware Super Clearing House is a good solution, allowing you to make compliant contributions in one transaction.

To access the Aware Super Clearing House, you need to be registered with us, which will allow you to access the Clearing House for free.