Rest's Business Guide

When it comes to managing your employees' super, it is important to understand your responsibilities.

Under the Superannuation Guarantee, there are laws around how a business must pay their employees super, otherwise penalties may apply. We have provided you with important information you need to know about your super requirements.

You can pay super online for your employees through one of the following payment methods:


1. Pay super to all employees regardless of their superfund, by using a clearing house. This allows you to make a single payment to all employees using one data file through a SuperStream compliant online system.
   
   Rest employers have access to a fee-free clearing house service via EmployerAccess - SCH Online*. 
You can also use other clearing house providers or the Government’s free Small Business Superannuation clearing house.
   
   
2. Paying super using your employer portal. If all your employees are with your default super fund, you can pay directly via your default super fund’s online system. For Rest, the employer portal is EmployerAccess.
   
   
3. Through your payroll provider - You may be able to arrange payment of super for your employees. Fees and charges may apply so you should contact your payroll provider for more information.

Here are some FAQs about paying your employees super. 

As a Rest employer, you can conveniently manage your employees’ super online with EmployerAccess. When you join Rest online, you will receive an employer number and you can start making updates and super contributions. You can set up an account online at any time.

Learn more on how you can access your fee-free clearing house service available for Rest employers on - EmployerAccess - SCH Online*

Need help setting up your account

• Watch these video guides
• Contact our support centre 1300 305 775
• Setup your verification for Employer Access

You can upload your SG contributions using EmployerAccess through the following options:

1. Manual Grid – Manual process which allows you to directly enter your employees' contribution details into EmployerAccess. Usually most suited to employers with less than 20 employees.
   
   
2. Import file - The Import File option allows you to upload the details of all your employees at once. It saves time, reduces errors and is hassle free. Usually most suited to employers with 20 or more employees.

We have developed a guide to help you navigate through the steps to upload a contribution to EmployerAccess.

Providing accurate employee details when making contributions

Remember, it’s important to provide Rest with a valid personal email and mobile for each employee when you are making contributions. With cybersecurity threats on the rise, this is critical information to enable Rest to identify members and provide them with secure digital access to their Rest accounts. Also having these details means we can keep them updated with important information regarding their super.

To help you introduce super to your employees we have provided supporting resources including the Standard Choice Form you can use as part of your onboarding process. In addition, you need to take steps to ensure that the super stapling legislation is followed.

Super stapling was introduced to limit unintended new super accounts being opened for workers every time they change jobs. As part of this legislation, the following steps are important when onboarding a new employee.

Remember, employers can’t provide recommendations or advice about super to employees. Only advisors licensed by the Australian Securities & Investments Commission (ASIC) can provide this advice.

Steps you need to take as an employer when onboarding new employees

1. Have your eligible employees fill out a Choice of Fund Form. This includes contractors who are employees for super purposes.
2. If an eligible employee does not complete a Choice of Fund Form, you will need to conduct a stapled fund search through the ATO’s Online Services. If you’re new employees selects to ‘join my employers default fund’, a stapling search won’t be required as the employee has made a choice.
3. If there is no stapled fund and your employee has not made a choice, you can then pay the SG contributions into your default fund.

Payday super - The government has proposed starting from 1 July 2026, employers will need to pay their employees' superannuation at the same time as their salary and wages.

Currently, Rest recommends making monthly payments. Employers that aren’t required to contribute on a monthly basis under an award or industrial agreement can choose to make quarterly contributions. The SG deadline date is set 28 days after the end of each quarter:

FAQs you should know about:

• Employees who retire
• Employees who become totally and permanently disabled
• Employees who become partially disabled
• Waiting Period
• Employees who pass away
• Employee Tax File Numbers

The business help centre will give you access to video guides, FAQs and support when it comes to:

• Managing employees super and updating employee details on EmployerAccess
• Paying SG contributions
• SCH Online/ Clearing house
• Keeping records
• Setting up verification for Employer Access
• Paying employees’ additional contributions

If you need further help you can contact our support centre 1300 305 775.