Skip to Content

MLC SuperEzy

Make super payments simple with MLC SuperEzy

Login to MLC SuperEzy

SuperStream for employers

What is SuperStream?

SuperStream is a set of government measures designed to improve the efficiency of superannuation transactions between employers and super funds.

SuperStream introduces the following benefits:

  • timely electronic processing of transactions
  • improved cost and time efficiencies for employers and super funds
  • fewer lost and duplicate accounts, and
  • faster allocation of money to member accounts.
  • SuperStream offers you and your business a wide range of benefits:

    • Increased efficiency - Approved clearing house solutions like MLC SuperEzy allow you to pay all your employees' super through one channel – regardless of who their super is with.
    • Saving time - You'll spend less time dealing with employee data issues and fund queries.
    • Rapid transactions - The efficiency and transparency of electronic contributions will allow for timely allocation and confirmation of your contributions.
  • You're required to make all Super Guarantee (SG) and other types of employer contributions in an electronic format that meets SuperStream's 'Data and Payment Standards'.

    This means:

    • paying all contributions electronically (no more cheque contributions)
    • sending contribution data electronically in a new standard message format
    • ensuring data related to contributions is sent on the day of payment
    • sending new member registrations and existing member amendments in a new standard message format; and
    • responding to super fund requests for information within 10 business days.

    For more information on Making SuperStream Employee Contributions, download this pdf

  • You'll need to make your SG and other types of employer contributions in an electronic format that meets your SuperStream obligations. Our superannuation payments clearing house service - MLC SuperEzy - offers you a comprehensive electronic payment solution to meet those requirements.

    MLC SuperEzy works with existing payroll systems so you can enrol new employees for MLC MasterKey Business Super (MKBS), update salaries, change personal details and automatically reconcile payments. It meets all the SuperStream obligations on your behalf.

    Already an MLC SuperEzy user?

    Good news! If you're a MLC SuperEzy user, you've automatically met your SuperStream employer obligations since 1 October 2014.

    Not yet with MLC SuperEzy?

    Not a problem. Simply complete and submit the online MLC SuperEzy application form.

    Find out more about MLC SuperEzy here

    A member of the MLC SuperEzy team will contact you soon after receiving your application to provide training to help get you started. You can also download the MLC SuperEzy Quick Reference Guide for step-by-step user instructions.

    What other options do you have?

    If you don’t want to use MLC SuperEzy then you can use another clearing house or payroll provider to meet your SuperStream obligations.

    However, you should consider the following if you use a different solution:

    • it will take longer for your contributions to reach MLC (MKBS) members accounts
    • MLC may need to contact new members for important information that is not part of the data standards (e.g. collar type, employment status and salary, to ensure employees are paying the right insurance premium), resulting in more administration for you
    • MLC may need to contact existing members to confirm final contributions, resulting in more administration for you, and
    • your alternative clearing house/payroll provider may charge you for all transactions.

    Choice Members

    For Choice members you may use any SuperStream compliant solution, such as SuperEzy, or an external clearing house or payroll provider. Non-SuperEzy employers/External Clearing Houses:  

    If you don't want to use MLC SuperEzy then you may use –an external clearing house or payroll provider to meet your SuperStream obligations.

  • The SuperStream data and payments standard applied from:

    • 1 July 2015 for businesses with 20 or more employees.
    • 1 July 2016 for businesses with 19 or fewer employees.
    • For more information, refer to

    All MLC superannuation products meet the SuperStream requirements.

  • The Unique Superannuation Identifier is the primary way a super fund identifies the member’s superannuation product.

    In 2013, super funds were required to register USIs to identify each of their products.

    Over coming years, USIs will replace Superannuation Product Identification Numbers (SPINs) as the primary way to identify individual super products.

    You will find a list of USIs for MLC's products here.

    It is important for the employer to confirm the correct product with the member and to provide the correct and corresponding USI information when sending through the contribution. If the incorrect USI is provided, this results in unnecessary processing delays..

  • Employee tax file number (TFN) details you provide to MLC must be checked against Australian Taxation Office (ATO) records. If an employee’s details don’t match those held with the ATO, we cannot register a TFN for them. As a result, these employees may pay more tax on their employer contributions than required.

    Employee details used as part of the TFN check include Employee Name, Date of Birth, Address and TFN. For a successful match, all these details must agree with those registered with the ATO.

    Where an employee's TFN is returned from the ATO as 'unmatched', we may need to follow up with you to get the correct information.

    The ATO offers a voluntary service called SuperTICK to match super fund employee details before making their first contribution to a super fund.  We encourage you to use this service as it provides greater confidence in your data and reduces the likelihood of errors.

  • Under SuperStream, there are specific requirements for making contributions to employees which came into effect on 1 July 2014.

    To contribute to SMSFs, you must now make your payments electronically and provide the following information when doing so:

    • SMSF name;
    • SMSF Australian Business Number (ABN);
    • SMSF bank account number and BSB for receipt of electronic payments; and
    • SMSF electronic service address (ESA) for receipt of an electronic contribution data messages.

    If you haven't already received the above information from your SMSF employees, you will need them to provide it to you in order to make contributions for them.

Open an MLC MasterKey Business Super account  Sign up now