What is Payday Super and what does it mean for my account?

From 1 July 2026, a new law called Payday Super changes when your employer pays your super. Instead of waiting until the end of the quarter, your employer must pay your super on the same day they pay your salary or wages.

Here's what that means for you and your Spaceship Super account.

Under Payday Super, here's how your contributions flow from your employer to your account:

This is a big change. Previously, your employer could pay your super once a quarter — meaning contributions could sit unpaid for up to three months. Now, your super moves with your pay.

Your super will now be invested more frequently, which means it starts earning investment returns sooner. You'll also be able to see regular contributions landing in your account, rather than occasional lump sums.

You might notice a short gap between your payday and when the contribution appears in your Spaceship Super account — this is normal. The 7-business-day receipt window and 3-business-day allocation window are both built into the law.

There's a small exception for new starters. Your employer has 20 business days to make your very first contribution while they set up your details in their payroll system. After that first payment, the standard payday cycle applies.

To make sure your contributions land smoothly, confirm these details with your payroll team:

A mismatch in any of these details can cause a contribution to be returned to your employer, which may delay when it reaches your account.