How do I?

If you’ve already joined Rest as an employer, you can conveniently manage your employees’ super online with EmployerAccess.

EmployerAccess allows you to:

• submit contribution details and pay by BPAY®, EFT or Authorised Bank Transfer
• change payment method and frequency online
• set up new employees
• reactivate previously terminated employees
• update your business and employee contact details 
• view your contribution history
• have multiple users on the same account with different access levels
• exports contribution and employee data in various formats

® BPAY and the BPAY logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 518

If you are not a Rest employer, you can open an account to access the benefits of managing your employees super online.

Employers are required to provide Rest with an employee's TFN within 14 days of them giving it to you, or when you make the first SG contribution on their behalf. The Australian Taxation Office (ATO) may apply penalties if you’re late in providing an employee’s TFN.

When you supply us with your employees' TFNs:

• we’ll be able to accept all types of contributions to their account
• additional tax for non-quotation of TFN will not be charged
• it’ll be easier to trace lost super, so they receive all their super benefits when they retire.

You can update details for new employees in EmployerAccess for existing Rest members and new Rest members by taking the steps below. Before you start when it comes to updating the email, please enter the new member’s email address - not yours. This ensures you don’t receive unnecessary emails from Rest. It also ensures that the member receives important information that may affect their super and insurance.

Add a new employee who is already an existing member of Rest

1. Employees with existing Rest accounts will need to supply us with some information so we can link them to your business. Have your employee complete the Standard Choice Form and give it back to you.
2. Login EmployerAccess > Employee Management > Add new employee
3. Enter the details they’ve supplied in EmployerAccess or in your next contribution payment, including the employee’s:

• Rest member number
• full name
• date of birth
• gender
• residential address
• postal address
• email (members email address)
• mobile number
• date they began employment with you
• TFN (if they’ve supplied it for employment purposes)
• salary (for insurance calculations for Rest Corporate members)
• occupational category (for insurance calculations for Rest Corporate members)

Add a new employee who is not currently a member of Rest?

1. Login EmployerAccess > Employee Management > Add new employee 
2. Add the employee’s details into EmployerAccess or in your next contribution payment including the employee’s:

• full name
• date of birth
• gender
• residential address
• postal address
• email (members email address)
• mobile number
• date they began employment with you
• TFN (if they’ve supplied it for employment purposes)
• salary (for insurance calculations for Rest Corporate members)
• occupational category (for insurance calculations for Rest Corporate members)

Once you’ve added your new employee online, we’ll send them a welcome pack and login details to complete the application process.

You can see all employees who are current members of Rest and edit their details.

Login to EmployerAccess > Manage details

If you need to make adjustments to contributions (for example if there has been an overpayment), contact us on 1300 305 775 from 8am to 8pm weekdays and we will help.

1. Login EmployerAccess > Employee Management > Add new employee
2. Select the radio button for “Another Fund”
3. You will be prompted to enter mandatory details for the SMSF: Fund name, Australian Business Number (ABN), Electronic Service Address (ESA), banking details of the SMSF and email address.
4. Select ‘Continue’ and confirm the details entered by selecting ‘Confirm’.

When you become aware of an employee’s change of address, you can advise us through EmployerAccess:

Login > Employee Management > Manage Employees

You can also supply this information on your next contribution file. It is important to do this, as we update our records based on the most recent information provided to us. If your records are out of date, member information may be posted to their old address.

• Marriage certificate
• Deed poll
• Change of name certificate

Email this to: employer.contact@rest.com.au

• You can check your company details  by logging into EmployerAccess.
• To update your Business Registered Name and/or Trading Name you will need to send an email to  employer.contact@rest.com.au containing a copy of the confirmation of business name certificate from ASIC and the details you require updated.
• However, if there has been a change in business structure and a new Australian Business Number (ABN) is issued, a new employer account will need to be created. Email us at employer.contact@rest.com.au confirming the date of this change and ensure all contributions for your employees are paid up until the date of change.

• EmployerAccess. Log in, select the ‘My details’ tab and select ‘Manage Contacts’ from the drop-down menu
• An email to employer.contact@rest.com.au
  • Send the email from a business email address containing a business signature. (This cannot be a gmail or Hotmail address)
  • And/or attach a copy of the confirmation of business name certificate from ASIC along with the details you require updated. 
• Talk to us online via Live Chat weekdays 8am-10pm (AEST) and 9am-6pm (AEST) on Saturdays.

Employees that are eligible for super include:

• All Employees who are 18 years or over are eligible for super if they earn a minimum of $450 (before tax) in a calendar month , regardless of how many hours they work. 
• Generally, employees under 18 will only be eligible for super if: 
  • they earn a minimum of $450 (before tax) in salary or wages in a calendar month; and
  • they work for more than 30 hours a week.
• You need to pay SG contributions for employees who are at work or on leave such as:
  • paid sick leave
  • long service leave
  • annual leave
• You will NOT need to pay super if your employees have not met the requirements above. Generally this will be employees under 18 years of age. 

For those employees who are eligible, you must provide a Standard Choice of Fund Nomination form to them within 28 days of their start date.

Rest helps make managing your employees’ super easy so that you can get on with running your business. You can make super contributions via EmployerAccess and SCH Online which are SuperStream compliant systems. 

Submitting contribution information

If you have all the correct information on hand, such as employee details and the amount you need to contribute, then processing your super payment should be seamless.

An efficient way to submit contribution information is online via EmployerAccess, either through the Import File or Manual Grid options. Which option you choose to use will depend on factors such as the number of employees you have.

Manual grid

Enter contribution details directly into EmployerAccess. May be most suited to employers with less than 20 employees.

Import file

Upload all your employees’ details simultaneously, saving you time and hassle. May be most suited to employers with more than 20 employees.

View user guide

We recommend making monthly payments. However, employers that are not required to contribute on a monthly basis - under an award or industrial agreement - can choose to make quarterly contributions.

For quarterly payments the SG deadline date is set 28 days after the end of each quarter.
 

As an employer, you must pay a minimum of 9.5% of each eligible employee's ordinary time earnings each quarter. If your employees are covered by an award or employment agreement which specifies a higher super contribution than 9.5%, you must pay that higher amount.

Ordinary time earnings (OTE) are usually the amount your employee earns for their ordinary hours of work. It includes things like commissions, shift-loadings and allowances, and generally does not include overtime payments.
 
The maximum SG contribution is 9.5% of the maximum super contribution base. The maximum contribution base is used to determine the maximum SG contribution that an employer is required to make under the super laws. This base is $57,090 per quarter in the 2020-21 financial year, which is indexed each year.

You can use the Australian Taxation Office calculator to help you calculate how much super you must contribute to your employees.

You can pay contributions by BPAY®, EFT or Authorised Bank Transfer and enter supporting information via EmployerAccess. Visit EmployerAccess for details on our payment options.

® BPAY and the BPAY logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 

You can claim a tax deduction for super payments you make for employees in the financial year you make them if you meet the SG requirements. Missed payments may attract the super guarantee charge (SGC), which is not tax-deductible.

You’ll need to lodge a SG Charge Statement with the Australian Tax Office (ATO) and pay a penalty. It will include the SG shortfall, interest and an administration fee which is not tax deductible and will result in an added expense to your business.

Yes, it’s important when making contributions these are reflected on you and your employees’ accounts even if the employee is not entitled to a Superannuation Guarantee contribution, particularly if contributions are made via a Clearing House as nil contributions are not forwarded to a superannuation fund.

Processing a nil contribution for your employees will also remove these employees from future payment reminder notifications from Rest. You can submit your nil contribution online by logging in to EmployerAccess and by following these simple steps:

1. Submit these details through the ‘Manual Grid’ option.
2. Ensure the contributions remain defaulted to $0.00 (nil) and select ‘Continue’.
3. This will take you to the ‘Summary Page’ and select “Continue to ‘Payment Details’.
4. You are required to select BPAY® as the payment option.
5. Select ‘Confirm Payment’ for the $0.00 contribution to be authorised.
6. Your contribution can be found in the ‘Completed Contributions’ menu once finalised

® BPAY and the BPAY logo are registered trademarks of BPAY Pty Ltd ABN 69 079 137 

You can submit your contribution online by login to EmployerAccess and by following these simple steps:

1. Load your contribution data either through the Import File (Custom file or SAFF) or Manual Grid options.
2. Select the contribution month(s) required to be paid or ‘Create Additional Contribution’ if necessary.
3. Enter your contribution amounts and select the ‘Continue’ button.
4. This will take you to the Summary Page where you can check and confirm what has been submitted.
5. Then you can either ‘Adjust Payment Detail’ if needed or select on the ‘Continue to Payment Details’.

Where errors occur, you can request an adjustment of super payments made to Rest, such as changing how a payment was allocated or getting a full or partial refund of a contribution payment. To request a contributions refund, simply contact us on 1300 305 775 between 8:00am to 8:00pm Monday to Friday.

SCH Online is a SuperStream compliant online system to submit your super contributions to multiple super funds (including Rest) using one data file and one payment. SCH Online then distributes payments and instructions to Rest member accounts and to funds outside of Rest, on your behalf. SCH Online is a third party clearing house provided fee-free to Rest employers.

If you have already joined Rest and are registered for EmployerAccess, you simply need to follow these steps:

       Login > My Details> Manage Preferences

       Then follow the prompts to enable your SCH Online account access

If you are not registered, you can open an account to become a Rest employer. Before you start making payments, you simply need to enter the details and super fund of choice for each of your employees (a one-off process). Then you just make a single payment each super period and the clearing house takes care of the rest. A payment and notification is sent on your behalf to each of the super funds you’re making payments to.

You’ll find everything you need to know about setting up your SCH Online account in the SCH Online.

• Product Disclosure Statement click here to download

With SCH Online, you can pay super to all your employees, no matter which fund their super is with, in one convenient online session. SCH Online then distributes payments and instructions to Rest member accounts and to funds outside of Rest, on your behalf.

SCH Online is provided fee-free to Rest Employers.

You can still make your monthly/quarterly contributions to Rest through another clearing house system.

You will be able to spend more time on your business and less time doing administration.

You must keep records that show:

• how much super guarantee (SG) you paid for each employee and how it was calculated
• that you have offered each eligible employee a choice of super fund and evidence you have provided the standard choice form to all eligible employees
• Details of employees you don't have to offer a choice
• Confirmation that your nominated (default) fund offers a MySuper product.

These records must be available English and records should be kept for 5 years. 

For more information visit the ATO website or contact us directly.