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BPAY for employers

Get BPAY® reference numbers for each of your employees with our BPAY number generator.

All you need is your employee's Australian Retirement Trust member number to get a BPAY reference number and biller code that you can use each time to pay super into their Australian Retirement Trust account. It's that simple.

Note: employers using this option will not be Superstream compliant, and this form is not for employees who have QSuper accounts.

Your details

What type of contribution are you making?

To make BPAY payments, all you need to do is:

It’s important to note that individual BPAY is not a SuperStream compliant method of payment. The ATO have indicated employers paying via this method may incur fines.

  • Phone or log onto your financial institution and select BPAY as a payment type 
  • Nominate the account you wish to debit 
  • Enter the correct biller code and reference number shown above 
  • Enter the payment amount and confirm the transaction 
  • If you’re making more than one contribution, just repeat this process.

How long will it take for the payment to go through?

As long as you make a payment before your financial institution's cut off time (this is the time at the end of the business banking day when you need to make a payment by for it to be processed overnight), the biller will acknowledge the payment as having been made that day and should process the payment the next banking business day.

If you make a payment after your financial institution's cut-off time, the biller will acknowledge the payment as having been made on the next banking business day (this does not include weekends or public holidays).

Please be aware that once your financial institution has processed the payment it may take 3-5 business days to reach Australian Retirement Trust.

If you are unsure of your Internet or phone banking cut-off times or require more information, please contact your financial institution directly.


If your employee isn't yet an Australian Retirement Trust member, they can quickly and easily join online.

Corporate Australian Retirement Trust employers are currently unable to use the BPAY number generator.


The biller codes and reference numbers are different depending on whether you are a member, an unregistered employer or a registered employer, so please ensure you have selected the correct option and entered the correct Super Savings account member number or employer number (applies to registered employers only) and contribution type. Only use this tool for Australian Retirement Trust Super Savings accounts. For QSuper Accumulation accounts, you need to get your or your client's BPAY details from QSuper Member Online instead. Australian Retirement Trust takes no responsibility for incorrect selection of options or incorrect data entries using this facility, or for any delays in processing times caused by the financial institutions.

®Registered to BPAY Pty Ltd
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