Show download pdf controls
  • Keeping track of your super

    Keeping track of your super will help you stay informed about:

    • how much super you're being paid
    • how many super accounts you have
    • any insurance provided with your super.

    Knowing how many super accounts you have is important. Having multiple super accounts could mean you are paying fees you are unaware of, which could reduce your retirement savings.

    Super is generally held by your super fund. It may also be transferred to us as unclaimed super.

    If you've ever changed your name, address or job, your fund or the ATO may not have your current details, which can result in your super becoming lost or unclaimed.

    Super is your money. You should check it regularly.

    On this page:

    Check your super

    You can manage your super using ATO online services through myGov.

    This enables you to:

    • view details of all your super accounts, including lost or unclaimed amounts
    • consolidate eligible multiple accounts (including any ATO-held super) into one account
    • withdraw your ATO-held super where you have met certain conditions of release.

    Before consolidating your accounts, check with your fund to see if there are fees or whether you will lose important insurance such as life, total and permanent disability, and income protection.

    For more information, visit ASIC's MoneySmart websiteExternal Link.

    To find and manage your super using ATO online services:

    • log in or create a myGovExternal Link account
    • link your myGov account to the ATO
    • select Super.

    You can then find and consolidate your super.

    If you are unable to access ATO online services you can contact us.

    Note: To find out if you have exceeded the superannuation contribution caps, you will need to contact your super fund.

    Can’t find the information you’re looking for? See if our CommunityExternal Link can help.

    ATO-held super

    ATO-held super refers to super money we hold for you. This includes amounts paid on your behalf to the ATO by:

    • employers
    • super funds
    • retirement savings accounts
    • the government.

    You can check and consolidate ATO-held super using ATO online services.

    Media: Too many super accounts?
    http://tv.ato.gov.au/ato-tv/media?v=bd1bdiubfo8e48External Link (Duration: 01:17)

    Lost super

    If you've ever changed your name, address, job or lived overseas, you may have unintentionally lost track of some of your super.

    Lost super is super money held by superannuation funds. You become a ' lost member' and your super becomes 'lost' if you are:

    • uncontactable – the fund has lost contact with you and your account hasn’t received a contribution or rollover for 12 months
    • inactive – your account hasn’t received a contribution or rollover in five years.

    Your fund will hold your lost super until they find you. If they can't find you, some types of lost super will be transferred to us.

    Unclaimed super

    Unclaimed super is money funds are required to transfer to us twice a year. Generally, super will be transferred to us from super providers for any of the following:

    • unclaimed super of members aged 65 years or older, non-member spouses and deceased members
    • super of former temporary residents who have left Australia for six months or more and their visa has expired
    • small lost member accounts and insoluble lost member accounts
    • inactive low balance accounts.
    • accounts held in eligible rollover funds (ERF) that were transferred to us before they wind up
    • amounts your fund transferred to us on a voluntary basis when they determine that it is in your best interest.

    Unmatched super

    When super funds pay unclaimed super to us, we use the information we have to find out who the super belongs to.

    If we can match super to someone, they will be able to see any unclaimed super in ATO online services. If we can't match super to an individual, it is held by us as 'unmatched' super until we receive more information.

    If you think you have lost super and can't see it on ATO online, we may not have all your details. If you think this applies to you, contact any previous super funds to see if they hold super for you. If they don't, ask if they have transferred any of your super to the ATO.

    If your super fund has transferred super to the ATO, ask them for the following information:

    • your super fund’s name
    • your member account number
    • the unclaimed superannuation money (USM) amount transferred to the ATO
    • the date your super fund paid USM to the ATO
    • any payment reference numbers.

    Make sure you have this information available before you contact us.

    Additional information that may help us match you to super includes:

    • current and previous addresses
    • current and previous employers
    • previous names

    Multiple accounts

    Having more than one super account could mean you're paying multiple fees and charges, which may reduce your retirement savings.

    You can consolidate multiple accounts using our ATO online services. Before you consolidate accounts, you may want to seek advice on fees this may incur or insurance cover you may lose.

    For more information visit Money SmartExternal Link

    See also:

    Authorised by the Australian Government, Canberra.

    Last modified: 23 Apr 2021QC 23228