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Mailing address
Colonial First State
GPO Box 3956
Sydney, NSW, 2001
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Frequently asked questions
Payday Super is an Australian Government reform starting 1 July 2026, requiring employers to pay employees’ Superannuation Guarantee (SG) contributions at the same time as wages or salary, rather than quarterly. Read all about the changes here.
All payments must be made electronically via a SuperStream-compliant system, such as payroll software or our FirstChoice Employer Super Clearing House.
Employers must contribute 12% of an employee’s ordinary time earnings (OTE).
You must pay super for:
- Employees aged 18 and over
- Employees under 18 who work more than 30 hours per week
This includes full-time, part-time, and most casual workers.
Late payments may incur the Super Guarantee Charge (SGC), which includes interest and administration fees and is not tax-deductible.
If an employee doesn’t nominate a fund, you must check for a stapled fund via the ATO. If none exists, contributions go to your default fund – FirstChoice Employer Super.
You can easily download forms for contributions, letters of compliance and more from our Forms & Documents library.
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Employer use only
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557.
This document may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at www.cfs.com.au/tmd, which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 1300 654 666. All applications for these products must be on the application form attached to the PDS, which can be completed online (other than for FirstChoice Employer Super) or on paper. Applications for FirstChoice Employer Super can be made by speaking to your employer or Relationship Manager (RM). Past performance is no indication of future performance.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. The respective insurance covers are provided under policies issued to the Trustee.