What employers need to know about stapling

27 September 2021

On 17 June 2021, the Government passed the Your Future, Your Super (YFYS) legislation which introduced three major reforms:

  • Stapling
  • Performance test
  • Best Financial Interests Duty 

Stapling poses the greatest change for employers as it is a new law that will link a person to one super fund and the stapled fund will follow the person when they change jobs.

This is due to come into effect from 1 November 2021.

What does this mean for employers?

When you onboard a new employee, on or after 1 November 2021, and they don’t actively choose their own super fund, you’ll need to manually search for each new employee’s stapled super fund account via the ATO and manually update your payroll system with the employee’s stapled account details.

If an employee wants their super paid to a particular fund (including your default fund), you’ll need to provide a Choice of Fund form within 28 days for them to complete and submit it to your HR/payroll team to action their request.

Cbus is here to help 

We understand that this is a big change in how new employees join a super fund and creates extra complexity for employers.

Cbus is committed to help you stay on top of these changes to ensure you meet your super obligations. 

For more information, FAQs and the latest updates, visit the Cbus YFYS webpage. 


Cbus’ Trustee is United Super Pty Ltd. ABN 46 006 261 623 AFSL 233792 Cbus ABN 75 493 363 262 
This information is about Cbus. It doesn’t take into account your specific needs, so you should look at your own financial position, objectives and requirements before making any financial decisions. Read the relevant Cbus Product Disclosure Statement and related documents to decide whether Cbus is right for you. Call 1300 361 784 or visit cbussuper.com.au for a copy.