Labor’s Payday Super "Cash Flow Killer"

This legislation - The Superannuation Guarantee Charge Amendment Bill 2025 and the Treasury Laws Amendment (Payday Superannuation) Bill 2025 - is a direct assault on small and medium businesses. Forcing employers to pay superannuation within seven days of payday, instead of the current quarterly system, is stripping away the "cash flow buffer" that keeps businesses afloat.

Here is the reality of what these bills do:

If a business is even slightly late, they face brutal penalties: 25% for a first offense and 50% for subsequent ones.

To cover the immediate cost of bringing these payments forward, businesses (especially in retail, hospitality, and tourism) will be forced to cut staff levels.
This means tens of thousands of young Australians will lose work during peak seasons like Christmas and Easter.

The government is also scrapping the ATO’s Small Business Superannuation Clearing House. Instead of one bulk payment, small business owners will now be buried in paperwork, manually paying dozens of individual funds every single week or fortnight.

This isn't about workers, it's about funnelling more money faster into union-backed industry super funds. While small businesses collapse, these funds and large corporations get richer.

One Nation believes workers should be able to use their super for a home deposit — investing in their own future rather than being forced to rent from the very super funds getting fat off this legislation.

Ultimately, this is nothing but a revenue-raising exercise disguised as "virtue signalling." It ignores the reality of record-high bankruptcies and unaffordable energy costs, choosing instead to "shaft" the very people, the workers and small business owners, it claims to protect.

— Senate Speech | November 2025

Transcript: https://www.malcolmrobertsqld.com.au/labors-payday-super-cash-flow-killer/