Why choose Essential Super
A simple way to manage super payments without extra admin, so you can get back to running your business.
Pay super in one place
Make one payment and we’ll send it to your employees’ super funds.
Supports default and choice funds
Contribute to Essential Super as your default fund or your employees’ chosen funds.
No business fees
Your business pays no fees, while employees benefit from competitive super fees.
How it works
Get set up quickly and easily
Register your business for Essential Super
Enter your ABN and business details.
Set up your clearing house account
Confirm your details again to register for the clearing house. We’ll send you an email with a link to complete your setup and create your login.
Start paying super
Make one payment and we’ll send it to your employees’ super funds.
Get ready for Payday Super
Essential Super for business helps small employers stay on top of super obligations.
Make one payment and we’ll send it to your employees’ super funds through our clearing house.
Support when you need it
From setup through to your first contribution, we’re here to help you manage super payments with confidence.
Step-by-step guidance
Help with your first payment
Managing employee fund choices
Secure contribution records
Need a hand? Contact us
Already set up for Essential Super?
Once your business registration and clearing house setup are complete, you’re ready to log in and manage employee super payments.
Essential Super is distributed by Commonwealth Bank of Australia.
Things you should know
^ Essential Super was recognised for 'Exceptional Super for Gen Z’ and ‘Low Fee Super – High Growth' in Mozo Experts Choice Awards 2025. For more information, visit Mozo.
Essential Super was awarded 'Best-Value Super Fund for Young People' as part of the 2026 Money Magazine Best of the Best awards. For more information, visit Money Magazine.
Ratings issued by SuperRatings Pty Ltd a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd AFSL No. 421445 are general advice only. Rating is not a recommendation to purchase, sell or hold any product and subject to change without notice. SuperRatings may receive a fee for the use of its ratings and awards. Visit SuperRatings.com.au for ratings information.
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (referred to as Colonial First State, CFS) is the Trustee of Essential Super ABN 56 601 925 435 and the issuer of interests in Essential Super. Essential Super is distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank or CommBank). The CFS Group consists of Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 (HoldCo) and its subsidiaries, which includes CFS. The Bank holds an interest in the CFS Group through its significant minority interest in HoldCo.
This information is issued by CFS and may include general financial product advice but does not consider your individual objectives, financial situation, needs or tax circumstances, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. The Target Market Determination (TMD) for Essential Super can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for and any conditions on how the product can be distributed to customers. You should read the Product Disclosure Statement (PDS) and the Reference Guides for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Download the PDS and Reference Guides at commbank.com.au/essentialsuperbusiness-documents or call CFS on 13 4074 for a copy.
The clearing house facility is provided by SuperChoice Services Pty Limited ABN 78 109 509 739 (SuperChoice), an authorised representative of PayClear Services Pty Limited ABN 93 124 852 320 AFSL 314357 (PayClear). SuperChoice and PayClear are not part of the Commonwealth Bank Group or the CFS Group. You should consider the SuperChoice Combined Financial Services Guide and Product Disclosure Statement, which is provided at the time of registration, before deciding whether to apply or accept the offer to use the clearing house facility.
None of the Bank, HoldCo, CFS, nor any of their respective subsidiaries guarantee the performance of Essential Super or the repayment of capital by Essential Super. An investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries.