Our products and services
We now help members invest in their health.
In partnership with our insurer MetLife, we're pleased to offer 360Health to all Hostplus members and their families.* It's a way to connect to a range of virtual health and wellbeing services at no extra cost.
*The term ‘family/families’ consists of a Hostplus member’s children, partner, parents, and parents in-law.
Learning Hub
Protecting Your Retirement: The Warning Signs of High-Risk Schemes
Following the collapse of the First Guardian/ Shield schemes, Hostplus is urging members to familiarise themselves with the red flags to look out for when making decisions about your super. These include cold calling, pressure tactics, and exaggerated promises about high returns.
Retirement
Retirement ready. Tick.
The Epic Retirement Tick is a new recognition from Chant West for super funds that meet a high standard across key retirement criteria.
Hostplus is proud to be among the first of only six funds to earn the Tick - helping members feel confident about their retirement today and into the future.
Forms and resources
Protecting Your Retirement: The Warning Signs of High-Risk Schemes
Following the collapse of the First Guardian/ Shield schemes, Hostplus is urging members to familiarise themselves with the red flags to look out for when making decisions about your super. These include cold calling, pressure tactics, and exaggerated promises about high returns.
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Member Online
Enter your Member Number and Password to access your account anytime.
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Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
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QuickSuper
Pay your employees super contributions across multiple super funds.
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Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
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Member Join
Everyone is welcome to join us as a member of our personal super plans.
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Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
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Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
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SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
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Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Why Hostplus
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Product and fee information for advisers
Retired and looking for more certainty over your returns?
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
-
Member Online
Enter your Member Number and Password to access your account anytime.
-
Pension Online
Log in to manage your Pension account 24 hours a day, 7 days a week.
-
QuickSuper
Pay your employees super contributions across multiple super funds.
-
Self-Managed Invest (SMI) for SMSF
Enter your Username and Password to access your account and start managing your investments.
-
Member Join
Everyone is welcome to join us as a member of our personal super plans.
-
Pension Join
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
-
Employer Join
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
-
SMI Join
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Payday Super
The Payday Super reforms passed through Parliament in November 2025 and will commence from 1 July 2026.
We’re sharing insights to help you prepare.
Stay connected with us as we work to make this transition as smooth as possible for you. If you have any questions, contact our employer services team online or by calling 1300 467 875. We're here to support our valued employers throughout this transition period and beyond.
What is Payday Super?
Starting 1 July 2026 employers must make Superannuation Guarantee contributions on the same day employees are paid (‘payday’), rather than at a later date. For example, if employees are paid weekly, then superannuation contributions must also be paid weekly instead of monthly or quarterly.
Employers will have 7 business days from ‘payday’ to pay their employees Super contribution.
Payday Super aims to address the non-payment and underpayment of super, strengthening Australia’s superannuation system and improving retirement outcomes for workers.
What are the key changes for employers?
The legislation introduces several changes designed to facilitate the transition.
- An employer has up to 7 business days from the day they pay their employees' qualifying earnings (QE), whether weekly, fortnightly, or monthly, to pay their superannuation guarantee (SG) to the fund. There are limited exceptions to the 7 business day timeframe which include:
- New employees, where employers are making a first-time contribution to a super fund.
- Out-of-cycle SG contributions, such as bonuses, commissions, advances, and back payments.
- Exceptional circumstances, where the ATO Commissioner may grant an extension due to significant disruption.
- If a contribution isn’t made in full or on time, a revamped Superannuation Guarantee Charge (SGC) will apply. The SGC includes the unpaid super based on Ordinary Time Earnings (OTE), interest to compensate employees for the delay, and an administration fee.
- The SuperStream data and payment standards will be revised to improve error messaging for quick resolution of payment issues.
Get ready for Payday Super - Webinar recording
To help you prepare, we're sharing a complimentary webinar recording where one of our experts breaks down the changes, what they mean for your business, and the practical steps you can take now.
Are you Payday Super ready?
Here’s a handy checklist to help you.
- Check your data - confirm employee super fund details are correct and fix any file submission warnings.
- If you're not paying super at the same time as wages, assess the impact on cash flow and plan accordingly.
- Audit your processes - map payroll and finance workflows and tighten data validation to avoid contributions not being matched.
- Talk to your providers - check if your payroll system and clearing house are Payday Super ready.
- Choose your clearing house, if you're using the ATO Small Business Clearing House, you'll need to explore alternatives.
- Encourage employees to keep their fund details current.
What are the benefits of Payday Super for employees?
- Widespread impact: Treasury estimates that aligning super payments with wages will benefit around 8.9 million employees.1
- Potentially higher retirement savings: More frequent super contributions could lead to potentially higher retirement savings.
- Easier tracking: It could be easier for employees to track whether their super has been paid.
- Assistance with unpaid super: This change could help the ATO in recovering unpaid super.
Frequently asked questions
- An employer has up to 7 business days from the day they pay their employees' qualifying earnings (QE), whether weekly, fortnightly, or monthly, to pay their superannuation guarantee (SG) to the fund. There are limited exceptions to the 7 day timeframe which include:
- New employees, where employers are making a first-time contribution to a super fund.
- Incorrect stapling, where a stapling request is rejected by the ATO and additional time is needed to resolve the issue.
- Out-of-cycle SG contributions, such as bonuses, commissions, advances, and back payments.
- Exceptional circumstances, where the ATO Commissioner may grant an extension due to significant disruption.
- Super funds must allocate contributions to a member’s account within 3 days of receipt. If contributions cannot be allocated due to missing information, super funds must refund those contributions within 3 business days.
- Employers must report both Ordinary Time Earnings (OTE) and total super liability for an employee in Single Touch Payroll.
- The ATO’s Small Business Superannuation Clearing House will close from 1 July 2026. The government plans to work with businesses to find alternative solutions.
- If contributions aren’t made in full or on time, a revamped Superannuation Guarantee Charge (SGC) will apply.
- The SGC includes the unpaid super based on Ordinary Time Earnings (OTE), interest to compensate employees for the delay, and an administration fee. However, certain circumstances may qualify for an extended contribution window, including:
- New employees, where employers are making a first-time contribution to a super fund.
- Incorrect stapling, where a stapling request is rejected by the ATO and additional time is needed to resolve the issue.
- Out-of-cycle SG contributions, such as bonuses, commissions, advances, and back payments.
- Exceptional circumstances, where the ATO Commissioner may grant an extension due to significant disruption.
- The SGC will be tax deductible (currently it is not). However, penalties will remain non-deductible.
- The SGC administrative fee is currently $20 per employee per quarter. Under the new legislation, this will be calculated up to a cap of 60% of the SG shortfall.
- The current interest component of the SG charge is 10% per annum. Under the new legislation, the SG shortfall will incur a General Interest Charge on a compounding basis.
The ATO will have additional resources to detect unpaid super cases sooner and act more quickly when an unpaid super complaint is submitted.
The legislation introduces a new definition of Qualifying Earnings (QE). QE refers to the earnings on which employers are required to make superannuation contributions under the Payday Super changes. Essentially, it's the amount paid to employees that includes:
- Ordinary Time Earnings (OTE): Regular wages and salaries.
- Salary sacrifice super contributions: Contributions made from an employee's pre-tax income.
- Other amounts: Any other earnings currently included in an employee's salary or wages for SG purposes.
Employers must ensure that super contributions are received by their employees' super funds within 7 business days of the QE payment.
The ATO defines a business day for Payday Super as:
Any day other than:
Saturday or Sunday
A day that is a public holiday for the whole of any Australian state or territory.
Yes, the ATO Small Business Superannuation Clearing House will close from 1 July 2026. For an alternative, Hostplus offers QuickSuper, a clearing house solution that helps employers make super contributions in one easy transaction.
As a QuickSuper user, you’ll have access to a digital employee onboarding form that can be shared with new team members when they join. It’s designed to help capture super details accurately from the start, making the onboarding experience smoother for everyone.
Have a question we haven’t answered here? Try our additional FAQs for more information.
1 Source: The Australian Government Treasury, Payday Super fact sheet, accessed on 11 April 2025.