I use the SBSCH and have a complaint on the amout of time it takes for the payment I make to filter through to an actual superannutaion account. In my particular case the employer made a BPay payment to the SBSCH on the 13/4/2019 but my particular super fund did not receive the funds till the 23/4/19. That is basically 10 days. As the payments are made quarterly that could equate to 40 days that superannuation money is floating around in the system somewhere . The employer has paid the money but the employyee is losing out on the benefit of the money being in the fund and hopefully adding value to it.