Employer Frequently Asked Questions
SuperStream is an initiative by the Australian Government to help employers streamline the payment of superannuation contributions.
To update your employee’s personal details, like a change in their address, login to EASE™, Suncorp’s online payment system.
Yes, you can. As an employer, you can encourage your employees to search for their lost super by logging in to their Suncorp super account and selecting ‘Search and combine’. We’ll do the work for them and search for any lost super that might be out there using the ATO’s SuperMatch database.
When an employee stops working for you, you’ll need to notify the ATO, as well as:
- Pay out any outstanding employment owed;
- Let the ATO know the details of those payments;
- Fulfil any remaining super obligations; and
- Take care of any fringe benefits tax (FBT).
Then, you can login and update Suncorp EASE.
You need to keep your employee’s superannuation records for five years. This includes detailed information about super contributions, fund details, how their superannuation guarantee was calculated, and more.
To get the full details on what super rules you need to adhere to as an employer, take a look at the ATO’s website.
If an employee provides you with their TFN, you’re legally required to give that number to their chosen super fund. An employee who doesn’t provide a TFN can’t make any personal contributions into their super account and may pay more tax on their super.
If an employee has a TFN but does not give it to you, any contributions you pay into their account will be taxed at the highest rate of 45%, plus the 2% Medicare levy.
You can claim certain deductions on contributions made to complying super funds on behalf of employees under the age of 75.
For employees over 75, you may only claim a deduction if an industrial award, determination or state award agreement requires a contribution.
There are rules and exclusions that apply so make sure you’re familiar with the information provided on the ATO’s website.
When an employee earns over $450 per week you must pay them the superannuation guarantee (SG), which is currently 10% of their income, to super.
As an employer, you’re currently required by superannuation legislation to pay your employees 10% of their income in super. This is known as the Superannuation Guarantee (SG).
This percentage is set to rise to 12% by 2025, and as there are penalties for not paying your employees the SG, so make sure you stay on top of your obligations by visiting the ATO website.
You can keep track of what contributions your employees are making by using Suncorp’s online payment service, Suncorp EASE™.
For new employees who are eligible and do not nominate a super fund, you will need to pay their superannuation guarantee (SG) contributions to their stapled account. Otherwise, you will not meet your obligations under superannuation guarantee legislation. Compulsory contributions can only be made to your default super fund if a new employee does not exercise choice of fund and does not have a stapled account.
You need to ask the ATO. A Request stapled account service is available through Online Services for Business which allows you to electronically request the details of the stapled account for a new employee. However, you will first need to lodge a TFN Declaration or Single Touch Payroll event for the new employee with the ATO. If you cannot successfully complete the online stapled account request, contact the ATO on 13 10 20 or yourfutureyoursuper@ato.gov.au.
The ATO have published instructions on how to request stapled details in bulk for groups of 100 or more employees at one time at Request stapled super fund details for employees | Australian Taxation Office.
Suncorp EASE™ is our way of making it easier for you to pay your employees their super money. It’s all done online and you can schedule contributions so you’ll never miss a Superannuation Guarantee (SG) deadline.
You can choose to pay using either direct debit or direct credit, and from there it’s a simple process of listing your employees and uploading your payroll.
Learn more about Suncorp EASE™ and to see if it is right for your business.
You can register to use EASE™ when you open a Suncorp Super for Business account. After you’ve opened your account, we’ll send you an email with a link to register for Suncorp EASE™.
Some details for registration will already be filled out – like your ABN – so you’ll just need to confirm your email address to start the process.
To complete registration, you’ll be prompted to fill out your employer information, employee details and bank account details. After you accept the terms and conditions we’ll send you an email confirming that you’re registered with a temporary password and link (you’ll need to reset your password to login).
For more information on how to get your Suncorp EASE™ account working for you, check out the Suncorp EASE™ Help Guide.
To add a new member to Suncorp EASE™, follow these steps:
- On the Dashboard, go to the Maintenance section, click on ‘Add member’
- Fill in your employee’s personal details (making sure you scroll down to complete the Employment, Super Fund and confirm your employer details)
- Click ‘save’
- Once saved, the new member record will be displayed in the review window
- When you are ready, click the ‘confirm and send’ button located in bottom right hand corner of the review window.
For any other help you make need setting up your account, please refer to the Suncorp EASE™ Help Guide.
To update or edit your employee’s personal details, follow these easy steps:
- On the Dashboard, go to the Maintenance section, click on ‘Member maintenance’
- Once at the review window, locate the employee you need to update and click the ‘person icon’ to open the ‘member management’ window
- Update employees details, click ‘save’
- Once saved, you will be returned to the review window
- When you are ready, click the ‘confirm and send’ button located in bottom right hand corner of the review window.
To learn more about Suncorp EASE™ and how to make contributions, take a look at the Suncorp EASE™ Help Guide.
