Tracking your super
Keep track of your super to invest in your retirement.
You can access detailed information about your super balance, where its being held and your contributions by logging on to ATO online services linked through myGovExternal Link.
Information regarding your balance and contributions can also be accessed through your super funds directly, either online or via paper statements.
Make sure you regularly check:
- how much super you're being paid
- how many super accounts you have, and
- if those accounts provide any insurance.
Having multiple super accounts can drain your savings with multiple account fees and duplicated insurance costs.
How ATO online services can help you manage your super
Super is your money for retirement and you should check it regularly - keep track of it using ATO online services.
Use ATO online services to:
- view your most recent 30 June balances reported by your super funds
- check for lost member super accounts
- track unclaimed super (displayed as ATO-held super) and transfer it to an eligible super fund or request a direct payment (if eligible)
- consolidate multiple super accounts - we'll send a message to your super funds for you
- see your employer's super contribution payments
- complete your superannuation choice to provide to your employer, advising which super fund account you want your super contributions paid to - for more information see accessing and completing employment forms
- check your total super balance - it effects which super rules apply to you
- review your concessional and non-concessional contributions totals, including unused contribution cap amounts
- release money from your super to pay for liabilities such as Division 293 and excess contributions tax
- apply to access some of your super early (in limited circumstances)
- apply for the first home super saver (FHSS) scheme (where eligible) or view the status of your FHSS application or
- access the YourSuper comparison tool, to view and compare MySuper products.
Log in to ATO online services
Use ATO online services through myGovExternal Link to view your fund details and manage your super.
If you don't have one, you can create a new myGov account and link it to the ATO.
You can also access ATO online services via the ATO app. Use the app to check your balance, find lost or unclaimed super and consolidate your accounts.
Check if you have lost or unclaimed super
Log into ATO online services, select Super, then Fund details.
If you have a lost member super account, the words contact fund will appear next to the super fund name.
Super that has been transferred to the ATO will appear as ATO-held super.
If you think you have lost or unclaimed super and can't see it on ATO online, it could mean that
- we don't have all your information
- your details don't match with the ones attached to the account, or
- we may not be holding your super.
Visit the searching for lost super page for more guidance and information.
View your super accounts and balances on ATO online
To view your accounts in ATO online services select Super then Fund details.
Check the ’as at’ date of the balance – your fund may have issued a member statement with a more up to date balance.
We show annual balances reported to us by your super fund. Because they are only required to report once a year with a 30 June balance, your current super account balances may not be shown.
Members of a defined benefit super scheme
The way your account balance is calculated and reported to us may vary from scheme to scheme. See your member statement for details.
Some defined benefit schemes report zero balances – because the entitlement in a defined benefit fund doesn't usually rely on amounts held in an account but is instead a calculated amount with reference to employment factors.
Your super fund should be able to provide you with more information.
Two accounts in the same fund
If you see 2 accounts displayed for your super fund, you may have 2 separate accounts with the fund. We don't split your account information, we display your super accounts as they are reported to us by your super fund.
An account is uniquely identified by a combination of three account identifiers – the fund ABN, superannuation product USI and your member account number.
There may be 2 accounts for the same super fund displaying if you have 2 separate accounts in the fund or if your fund has reported your account more than once with different identifiers.
If you believe you have too many accounts displaying, check with your super fund.
Accounts not shown
Super fund accounts may not display online if:
- member account details have not been reported to us by the super fund
- we were unable to confidently verify and match the account details that have been provided by your super fund with your taxpayer record
- your account was closed before the past 2 financial years.
After confirming your personal details are up to date through ATO online, contact your super fund to request further information.
Self-managed super funds
If you are a member of a self-managed super fund (SMSF), your SMSF account information will be displayed when the SMSF:
- has a compliance status of ‘Complying' or ‘Registered’ (you can check this on the Super Fund Lookup websiteExternal Link)
- is up to date with the SMSF annual return (SAR) lodgment
- has reported a valid Australian business number (ABN) and reported it correctly on the most recent SAR
- has correctly added your association through the Australian Business Register (ABR).
SMSFs don't report their super information as regularly as APRA-regulated funds. Individuals should check with their SMSF’s authorised contact if their account is not displayed or they want to view their up to date transactions and balance.