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NAB urges businesses to prepare for Payday Super as timing change puts pressure on cash flow - NAB
17 June 2026
Business Banking
Preparing business cash flow for Payday Super
- From 1 July, employers will need to pay super at the same time as wages
- The change in timing is expected to tighten cash flow for many businesses
- Early, practical planning can help businesses adjust with confidence
With just weeks until Payday Super comes into effect, NAB is urging businesses to prepare now to avoid unexpected pressure on cash flow.
From 1 July, super will need to be paid alongside wages rather than quarterly, changing when money leaves a business, particularly for employers with weekly or fortnightly payrolls.
NAB Executive, Small Business Olivia Brosca said Payday Super was not about paying more superannuation but paying it sooner and timing mattered for how businesses managed their cashflow.
“This is a structural change to when payments are made, and, for some businesses, it will change the rhythm of money moving in and out,” Ms Brosca said.
“The earlier businesses understand the impact and plan for it, the more comfortable they’ll feel when the changes come into effect.”
Pino Burrone, owner of Salon Vogue Hair
That early awareness can make a real difference. NAB banker Sandeep Kaur raised Payday Super with Pino Burrone, owner of Werribee’s Salon Vogue Hair, in early April.
“That was the first time I’d heard about the changes. We used to pay super monthly and wages weekly for our team,” Mr Burrone said.
“We spoke with our bookkeeper, built a buffer and recently started paying super weekly alongside wages so we are prepared for when the changes officially start.”
It comes as NAB insights show cash flow remains the most common issue for small and medium business owners, with 44 per cent citing it as their top concern.
NAB expects a significant increase in the number of super payments processed once the changes take effect, reflecting the shift from quarterly to more frequent payment cycles.
Ms Brosca said early practical conversations could helped businesses adjust with confidence, rather than react under pressure.
“Our bankers are working with business owners to understand how cash flows through their business and options that support any adjustments that might be needed,” she said.
“For some, that means forecasting cash flow more frequently or setting aside funds earlier so super payments don’t come as a shock.”
Payday Super can have a greater impact in industries such as hospitality, manufacturing and transport, where wages make up a larger share of operating costs and payroll is more frequent.
Practical tools and support from NAB:
A Payday Super hub on nab.com.au, featuring a guide to Payday Super and recording of a webinar featuring NAB and Xero experts
Eligible NAB business customers can also access Xero, which is Payday Super compliant, free for their first six months. NAB transactions automatically feed into Xero, saving time and effort
Weekly and monthly cash flow tools on nab.com.au
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