How do I check if my employer is paying my super in Australia?
You can check if your employer is paying your superannuation in Australia by logging into your super fund's online account or through the Australian Taxation Office (ATO) via your MyGov account. Regular checks ensure your entitlements are met.
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How it works in practice
Understanding Superannuation Payments
Superannuation, often called 'super', is money employers pay to a super fund on behalf of their employees. This money is set aside to provide for your retirement. Most employees in Australia are entitled to super contributions, and employers have a legal obligation to pay these contributions at least quarterly.
How to Verify Your Super Contributions
To ensure your employer is meeting their obligations, you can regularly check your super account. Your super fund provides statements, typically quarterly or annually, detailing contributions received. You can usually access your account information through your fund's online portal or app. For a comprehensive overview, the Australian Taxation Office (ATO) allows you to view all your super accounts and contributions made through your MyGov account, providing an independent record of payments.
Important exceptions
Not all employees are entitled to super contributions. For example, some employees earning less than a certain threshold per month, or those under 18 working fewer than 30 hours per week, may not be eligible. Employers generally pay super quarterly, so a recent payment might not appear immediately after each pay cycle. Always confirm your eligibility and payment schedule with your super fund or the ATO.
What you should do now
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Review your payslips to confirm superannuation contributions are being calculated and shown.
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Log in to your super fund's online account to check transaction history and contribution dates.
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Access your MyGov account and link to the ATO to view all reported super contributions from current and past employers.
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If discrepancies are found, contact your employer first to query any missing or incorrect payments.
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If issues persist or remain unresolved, lodge an Unpaid Super Inquiry with the ATO.
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