22 June 2026 · 7 min read
Quick Answer
When the SBSCH closes at 11:59pm AEST on 30 June 2026, three things happen: you can no longer make super payments through it, you can no longer log in to download records, and any in-progress payments must already be complete. Your obligation to pay super does not stop — it intensifies, because Payday Super begins 1 July 2026, requiring super within 7 days of every payday. You must have a replacement system live before then, and you must have exported your SBSCH records, because they become permanently inaccessible.
There is a lot of noise about the SBSCH closing, and not much plain-English explanation of what actually happens on the day. If you have used the SBSCH for years, you reasonably want to know: do my super payments just stop? Do I get locked out? What happens to all my history? Does my obligation change?
This explainer answers those questions directly. The short version is that the SBSCH switching off does not switch off your responsibilities — it removes the free tool you used to meet them, on the same day the rules get stricter. Understanding precisely what changes lets you prepare without panic.
We will walk through what happens to your payments, your records, and your obligations, and what you need to have in place before the deadline. SAB Account AI (sabaccountai.com) is referenced as the replacement built for this transition, because it covers the calculation, deadline tracking, STP and records that the closure leaves you needing to handle elsewhere.
From 1 July 2026 you cannot make any super payment through the SBSCH — the payment function is gone. Existing registered users can use it only until 11:59pm AEST on 30 June 2026. Any payment you want to make through it must be submitted, and ideally received and allocated by funds, before that cutoff.
This is why the ATO recommends the January–March 2026 quarter be your last SBSCH quarter: it avoids the risk of a payment being stuck mid-distribution when the service closes. After the cutoff, every super payment must go through your replacement — a fund clearing house, a commercial gateway, or payroll software with auto super. Your ability to pay does not disappear; the specific channel does.
No payments after the cutoff: The SBSCH cannot process anything after 30 June 2026. Have your replacement ready to pay from your first July payday.
Payments after the closure
This is the part that catches people out. When the SBSCH closes, you can no longer log in to download records, and those records become permanently inaccessible. There is no retrieval by phone or by request after the deadline. If you have not exported your transaction history, you lose your primary evidence of the super you paid through the service.
Because you must keep super records for five years under the Superannuation Guarantee (Administration) Act 1992, this is a real compliance risk, not just an inconvenience. Export everything before 30 June 2026 and store it permanently. Going forward, keep your records in a system you control so you are never exposed to a closing portal again.
Records vanish: Unexported SBSCH records are gone after 1 July 2026. This is the most common way the closure causes problems months later.
Records after the closure
Your obligation to pay super does not pause for the transition; it gets tougher. On 1 July 2026 — the day after the SBSCH closes — Payday Super begins. Super must reach employee funds within 7 days of each payday, at 12% of ordinary time earnings, reported through STP. The quarterly deadlines you may have organised your year around (28 October, 28 January, 28 April, 28 July) no longer apply.
The penalties for getting it wrong also tighten. Late or short super triggers the Super Guarantee Charge — the shortfall plus interest and an administration fee — and company directors can be personally liable under a Director Penalty Notice. So the closure is not a pause in obligations; it is a step up in both frequency and consequence.
Stricter, not paused: The day the free tool disappears is the day the rules get tougher. Frequency and penalties both go up on 1 July 2026.
Obligations after the closure
By 30 June 2026 you need three things sorted: your SBSCH records exported and stored permanently; a replacement system live and tested; and your cash flow adjusted for paying super every payday rather than quarterly. Get those three done and the transition is a non-event — payments continue smoothly through the new system, your records are safe, and you meet the Payday Super deadline from your first July payroll.
SAB Account AI (sabaccountai.com) is built to cover the system side of that list: it calculates 12% super on ordinary time earnings every pay run, flags the 7-day Payday Super deadline, reports through STP and keeps permanent records — for $9/month. Set it up in June, run a test pay, and you are ready for the day the SBSCH closes.
Three things by 30 June: records exported, replacement live, cash flow adjusted. Do these and the closure is a non-event.
Your pre-deadline essentials
Get three things sorted before 30 June 2026: records exported, replacement live, cash flow adjusted. SAB Account AI (sabaccountai.com) covers the system side — calculation, STP, Payday Super tracking and records — from $9/month.
SAB Account AI — ATO-compliant invoicing and payslips for Australian small businesses. From $9/mo.
Start free trialYour ability to pay through the SBSCH stops at 11:59pm AEST on 30 June 2026, but your obligation to pay super continues. You must pay through a replacement system, and from 1 July 2026 super is due within 7 days of every payday under Payday Super.
No. After 1 July 2026 you cannot log in to download records and they become permanently inaccessible. Export your full transaction history before the deadline.
The ATO recommends the January–March 2026 quarter as your last SBSCH quarter, to avoid a payment being stuck mid-distribution when the service closes.
Yes — they get stricter. From 1 July 2026, Payday Super requires super within 7 days of each payday instead of quarterly, with the Super Guarantee Charge and possible director liability for late or short payments.
Three things: your SBSCH records exported and stored, a replacement system live and tested, and your cash flow adjusted for paying super every payday. SAB Account AI covers the system side from $9/month.