There’s been a bit in the news about Payday super, but did you know it could mean you end up with more when you retire?
Super is usually listed on your payslip alongside your wages, so most people assume they are paid at the same time – but that’s not true for many of us. At the moment, the rules mean your employer only has to pay your super every three months. And while the amount of super included in your payslip is the amount that should be paid, it may not match what ends up in your account.
The government’s introducing Payday super which will mean that from 1 July 2026, your super will be paid at the same time as your salary or wages. The aim is to crack down on employers who don’t pay their workers enough super, or don’t pay it at all.
Most employers do the right thing and pay their workers the right amount, when they’re meant to. But according to the Super Members Council, unpaid super affects one in four workers, with an average underpayment of $1,800 and a total of $5.1 billion going unpaid in 2021-22.
Hopefully, payday super will mean that $5.1 billion ends up in workers’ retirement savings where it belongs. But the bonus is that even for those of us who’ve always been paid the right amount, Payday super could mean more in our retirement savings.
Paying your super more frequently means it has longer to work for you – the sooner money lands in your account, the sooner it could start generating returns. Returns compound over time – earning returns on previous returns. ASFA calculated that for a 25-year-old earning average wages, being paid fortnightly instead of quarterly will mean around $5,000 more by the time they retire.[1]
Why it can pay to check your super
Many people don’t often look at their super, so it can be easy not to notice their super hasn’t been paid for a long time – or even not to notice at all. With Payday super, it will be easier to track if you’re being paid the right amount of super, and it’s going into your account when it should be.
While it can be easy to ignore your super if retirement feels far away, our mobile app makes it simple to manage your super on the go. And taking care of your super now can mean it can take care of you when you need it!
To download the Vision Super mobile app, go to the app store on your device — use the Apple App Store if you’re on an iPhone or the Google Play Store if you’re an Android user.
You’ll just need to make sure your account is set up for online access first – go to visionsuper.com.au/login and follow the link to register if you’re logging in for the first time.
If you have any questions about your super or need some help getting your account online, call our Member Services team on 1300 300 820 Monday – Friday, between 8.30am and 5.00pm.
[1] https://www.superannuation.asn.au/wp-content/uploads/2025/08/250807_ASFA_Research_Note-Payday-Super.pdf