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  • Online services – super for individuals

    Find out about:

    Viewing super accounts

    We provide an online view of all your super accounts that have:

    • been reported for you by your super fund, RSA or self-managed super fund
    • super money we hold for you that was paid to us by a fund, employer or the government as required by law. If we can't find an account to transfer the money to, we display it as ATO-held super.

    Reported accounts

    You can see details of all of your super accounts that were reported to us in the last year or so.

    These include:

    • active accounts – flagged with a 'yes' indicator if they have received a super contribution in the last 12 months
    • inactive accounts that have not received a super contribution in the last 12 months or more
    • any accounts considered 'lost', because the super fund is not able to contact you – flagged with advice to consider contacting your super fund
    • pension accounts
    • any ATO-held super.

    You should be able to see details of a newly opened account soon after it opens, provided the super fund has reported it to us.

    Note: account balances are not a true reflection of your actual super account balance – you need to check with your super fund.

    Super fund name

    Our online services display the legal name of the trustee of your super fund based on the Australian business number (ABN) of the entity that reports to us.

    Two accounts for the same fund?

    We display your super accounts as they are reported to us by your super fund.

    There may be two accounts because they have a different client or account number. Your account has not been split.

    Your super fund may be able to provide you with further information.

    Accounts not shown

    Some super fund accounts may not display online due to:

    • accounts being previously claimed or transferred
    • member account details not being reported by super funds
    • us being unable to match your account details.

    Your super fund may be able to provide you with further information.

    Your balance

    Our online services show information reported to us by your super fund. However, it is not reported in 'real-time', so does not reflect your actual super account balance. Sometimes super funds do not report an account balance.

    Your super fund may be able to provide you with further information.

    Some things you should be aware of:

    • Your account balance may not match the balance on your last statement as the information is not reported instantly to us. Check the report date next to the balance – your fund may have issued a member statement after they reported to us.
    • If you are expecting a transfer of ATO-held super and it is not shown in your balance, it may be because your fund does not accept ATO-held super. You can nominate a different fund by completing a Fund nomination form.
    • If you are a member of a defined benefit super scheme, your account balance reported to us may vary from scheme to scheme. Refer to your member statement for details.
    • For Commonwealth public service defined benefit schemes – including CSS and PSS – your account balance will show the preserved benefit (accumulated contributions and earnings) at 30 June.

    Your super fund may be able to provide you with further information.

    Things to consider before transferring

    Putting all your super in one account means you only pay one set of account fees and charges. It also makes it easier to keep track of your super.

    Check with both super funds, particularly the account that is being transferred, so you are aware of any fees or charges that apply, any loss of entitlements (for example, life insurance) or any other information about the effect this transfer may have on your super benefits.

    Transferring your benefits will not change the fund your employer pays your contributions to. Speak to your employer about whether you can choose the fund they make your employer contributions to.

    Transferring benefits out of a fund may close that account. There are some important factors to consider before transferring your super:

    • Differences in fees can make a big difference to the amount you have when you retire.
    • The fund you want to leave could charge administrative fees, and exit or withdrawal fees.
    • The fund you want to transfer to may charge entry or deposit fees.
    • The fund you want to leave may insure you against death, illness or an accident that leaves you unable to return to work. If you leave this fund, you may lose these entitlements – check if the other fund offers comparable cover. Our online services will flag any super account that has insurance included, with a 'Yes' indicator.
    • The fund you want to transfer to may not accept transfers of ATO-held or super fund-held money – check before starting your transfer.
    • There are no fees or charges for transferring ATO-held super money into a super fund account.

    If you are unsure what to do, seek independent financial advice or contact your super fund.

    Consult the super fund receiving the super to ensure they accept transfers of benefits.

    Transferring your super

    You can transfer any of your super accounts to a super fund of your choice.

    A separate electronic request is sent to each transferring super fund, they generally take three days to send your request electronically to your nominated super fund.

    Some super funds may contact you to verify the information provided or to seek further information before processing the request for transfer.

    You can only transfer a full super account balance from one super fund to another using our online services. Partial transfers can't be done online.

    If you wish to transfer a part of your super account balance from one super fund to another, contact the super fund you wish to transfer money from.

    Some transfers may not be possible

    Some super fund accounts may not allow the transfer of super. Our online services only display accounts in the 'Transfer your super' section you can transfer super into or out of – based on the type of account and the details reported by your super fund.

    • If the account you wish to select as the 'From' account does not appear, the super fund does not allow outward transfers.
    • If the account you wish to select as the 'To' account does not appear, the super fund does not accept inward transfers.
    • If the account was recently opened and has not reported to us, it may not appear.
    • If the super benefit was already rolled out or a transfer request was made within 12 months of the current request, a transfer may not be possible.

    Contact your fund for further information.

      Last modified: 28 Nov 2018QC 25546