Self-managed super funds (SMSF)

Validate and pay contributions to self-managed super funds.

Self-managed super funds (SMSF) are supported as an alternative to an APRA fund USI across three endpoints: Validate Fund, Submit Contribution, and Employees. This page documents the shared SMSF object once so you don’t have to piece it together from three separate endpoint pages.

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What is SMSF support

An APRA fund is identified by its USI (Unique Superannuation Identifier) — a 14-character code looked up against the active funds registry. A self-managed super fund (SMSF) has no USI: it is identified instead by its own organisation details and bank account, since members manage the fund directly rather than through a public offer fund.

Every endpoint below accepts SMSF as an alternative to a USI — never both at once, and never neither. Provide a USI for an APRA fund, or the SMSF object described below for a self-managed fund.

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The shared SMSF object

All three endpoints use the exact same SMSF object shape:

Field	Type	Required	Notes
organisationName	string	Yes	Max 200 characters
australianBusinessNumber	string	Yes	Exactly 11 digits, must pass the ATO ABN checksum
esaAlias	string	Yes	Electronic Service Address alias
account	object	Yes	accountName (max 32 chars), bsb (exactly 6 digits, not all zeros), accountNumber (6–9 digits, not all zeros)
emailAddress	string	No	Contact email for the SMSF
phoneNumber	string	No	Contact phone number for the SMSF

{
  "organisationName": "Test Superannuation Fund",
  "australianBusinessNumber": "34623710896",
  "esaAlias": "SUPERCHOICE",
  "account": {
    "accountName": "Test Superannuation Fund",
    "bsb": "923100",
    "accountNumber": "62645812"
  },
  "emailAddress": "[e-mail]",
  "phoneNumber": "80386700"
}

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APRA vs. SMSF at a glance

	APRA fund	SMSF
Identifier	usi string	smsf object
Fund lookup	Checked against the active funds registry	Not applicable — no registry entry
Where it’s used	Validate Fund, Submit Contribution, Employees — provide one or the other, never both, never neither

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Using SMSF per endpoint

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Validate Fund

Pass one or more SMSF objects in smsfFunds, alongside or instead of fundUsis. At least one of the two arrays must be non-empty. No two entries in smsfFunds may share the same australianBusinessNumber.

{
  "smsfFunds": [
    {
      "organisationName": "Test Superannuation Fund",
      "australianBusinessNumber": "34623710896",
      "esaAlias": "SUPERCHOICE",
      "account": {
        "accountName": "Test Superannuation Fund",
        "bsb": "923100",
        "accountNumber": "62645812"
      }
    }
  ]
}

Full endpoint reference: Validation

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Submit Contribution

On each entry in contributionDetails.funds[], provide smsf instead of usi. Exactly one of the two must be present on that fund entry.

{
  "employerId": "6960d86e466f44ab3f163c66",
  "contributionDetails": {
    "funds": [
      {
        "smsf": {
          "organisationName": "Test Superannuation Fund",
          "australianBusinessNumber": "34623710896",
          "esaAlias": "SUPERCHOICE",
          "account": {
            "accountName": "Test Superannuation Fund",
            "bsb": "923100",
            "accountNumber": "62645812"
          }
        },
        "amountForFund": { "value": 100, "currency": "AUD" },
        "members": [
          {
            "employeeId": "69a2c642d87a988244021bbe",
            "payPeriodStartDate": 1638277200,
            "payPeriodEndDate": 1640955600,
            "employmentStatus": "FULL_TIME",
            "totalMemberContributionAmount": { "value": 100, "currency": "AUD" },
            "superGuaranteeAmount": { "value": 100, "currency": "AUD" }
          }
        ]
      }
    ]
  }
}

Full endpoint reference: Submission

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Employees

On both create (POST /v1/employees) and update (PUT /v1/employees/:id), provide smsf instead of usi on the employee record.

{
  "smsf": {
    "organisationName": "Test Superannuation Fund",
    "australianBusinessNumber": "34623710896",
    "esaAlias": "SUPERCHOICE",
    "account": {
      "accountName": "Test Superannuation Fund",
      "bsb": "923100",
      "accountNumber": "62645812"
    }
  }
}

Full endpoint reference: Employees

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Validation rules & common errors

• Invalid ABN checksum — australianBusinessNumber must be 11 digits AND pass the ATO checksum algorithm. An 11-digit number that fails the checksum is rejected.
• Duplicate ABN in one request — Validate Fund rejects a request where two entries in smsfFunds share the same australianBusinessNumber.
• All-zero BSB or account number — account.bsb and account.accountNumber are both rejected if every digit is zero.
• Both or neither fund identifier provided — every fund entry, contribution fund, or employee record must provide exactly one of usi / smsf. Providing both, or providing neither, is rejected.