Get ready for end of financial year
The end of the financial year is approaching
To make sure everything is processed in time, please submit your contributions before the cut-off dates below. This will help ensure they’re included for this financial year.
Deadlines for member transactions
Making an extra super contribution
To be counted for this financial year, contributions must be received by CBUS by 30 June. To allow for processing time, we recommend submitting your contribution by 4pm (AEST), Thursday 25 June 2026.
This is the latest recommended submission time to help ensure your contribution is received and processed before 30 June. We recommend BPAY® or Electronic Funds Transfer (EFT), as these are generally the fastest payment options.
To pay by BPAY® or EFT
Log in to your account to find your personal BPAY ® biller code and reference number, or your EFT details. You can also find these details on your annual statement.
To pay by cheque
You can visit a front counter to contribute in person by cheque. Please make sure your cheque payment is submitted by Tuesday 23 June 2026.
Contributions received after this date may still be processed, but we can’t guarantee they’ll be counted for this financial year. This may affect any tax benefits or government incentives you may be eligible for.
Things to consider before EOFY
Split contributions with your spouse
You may be able to transfer some of your super to your spouse. This can help with tax outcomes and may provide greater flexibility when income and assets are assessed for Age Pension eligibility.
Find out more at ato.gov.au.
Super contributions for self-employed and small business owners
If you’re self-employed, contributions to your super may be tax deductible. Depending on your circumstances, there may also be tax concessions available when selling business assets and contributing the proceeds to super.
Eligibility rules apply. Learn more at ato.gov.au.
Claim a tax deduction for personal contributions
If you make personal (after-tax) contributions, you may be able to claim a tax deduction for some or all of the amount. This could reduce the tax you pay for the year.
See our How to claim a tax deduction on personal super contributions fact sheet (PDF) for more information.
How to make a contribution
If we receive your contribution after 30 June it will generally count towards the next financial year, even if it was submitted earlier.
To help ensure your contribution is processed in time, we recommend using BPAY® or EFT before 4pm (AEST), Thursday 25 June 2026.
Payment options
Bank transfer
Log in to your account for your personal details.
Direct debit
Complete the Direct debit application form (PDF) and send it to CBUS.
Payroll deduction
Speak to your employer about setting this up.
Cheque
Complete the Personal contribution form (PDF) and post it to CBUS (don’t send cash). Please allow additional time for cheque payments, as they may take longer to be received and processed.
25 June 2026
Superannuation Guarantee (SG) contributions
Whether you use the CBUS clearing house1 or an external clearing house, we recommend submitting payments by 4pm (AEST) on 25 June 2026. Payments must be submitted by this time to help ensure they are received by CBUS before 30 June.
When using a clearing house, contributions are only considered paid when they are received by the employee’s super fund, not when submitted to the clearing house. Processing times may vary, so please allow sufficient time.
1 QuickSuper is provided by Westpac Banking Corporation CAN 007 457 141 AFSL 233714 for CBUS employers.
14 July 2026
Single Touch Payroll (STP) finalisation declaration
You must submit your STP finalisation declaration by 14 July 2026. This confirms your employee reporting for the financial year is complete. Once submitted, the ATO will mark employee information as tax ready in MyGov.
More information is available at ato.gov.au.
This information does not constitute tax or legal advice, please refer to the ATO in order to meet your obligations.
From 1 July 2026: Payday Super
From 1 July 2026, employers will need to pay super at the same time as wages.
What this means
- Super must be paid with every pay run
- Contributions must be received by the super fund within 7 business days of payday (or 20 business days for new starters)
- Errors and rejected contributions will need to be resolved quickly, within the original timeframe of 7 or 20 business days.
Learn more at our Payday Super hub or download the Payday Super checklist (PDF).
Changes to accepted payment methods
From 1 July 2026, CBUS will no longer accept these payment methods for employer super contributions: cheques, BPAY ® or EFT made directly to the fund.
Use a compliant clearing house
To meet the faster timeframes from 1 July 2026, use a Payday Super-compliant clearing house or payroll system. Learn more about the CBUS Clearing House, available through Employer Online.