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  • Receiving member rollover requests

    Under the portability rules, members of most super funds can request that their super benefits be transferred (rolled over) into a fund of their choice.

    If the member submits their request:

    • online through us, we'll verify their information and send the request to you via SuperStream
    • using a paper form, you'll need to verify their information using
      • the SuperTICK or the Member Account Attribute Service (MAAS) for Australian Prudential Regulation Authority (APRA) regulated funds, and
      • the SMSF verification service (SVS) (where the receiving fund is an SMSF)
       

    On this page:

    How a member can request a rollover

    To transfer the whole balance of a super account between APRA funds or to an SMSF, a member may be able to submit an electronic portability form (EPF) through our online services. They'll need a myGov account linked to the ATOExternal Link.

    We'll verify the member's identity and membership details before sending the EPF to the transferring fund for processing. There is no obligation to verify member information when actioning an EPF. Where the receiving fund is an SMSF you may choose to use the SVS, which will confirm the SMSF can accept electronic rollovers.

    If a member can't request the transfer online, or chooses not to, they can use a paper form to request the transfer the whole balance of their account:

    A member must complete a separate rollover form for each account they wish to transfer.

    If they wish to transfer a part of their super account, they should contact the fund that holds the account to find out what information is required.

    Receiving an electronic portability form

    All APRA funds must be able to receive and action an EPF. We send the EPF to the transferring fund electronically via SuperStream.

    Checks we do first

    Before sending you an EPF, we will:

    • authenticate the identity information your members provide against the information we hold
    • confirm the individual is a member of both the transferring and receiving funds
    • ensure that the rollover or transfer is not being made to funds suspected of illegal early release
    • ensure that the transferring and receiving funds are regulated funds and not wound up.

    We will not send EPFs to funds that are not subject to compulsory portability such as:

    • defined benefit accounts
    • accounts with unfunded public sector super schemes.

    Receiving paper forms

    Transfers between APRA funds

    The member can send the form to either the transferring fund or the receiving fund.

    You must validate a member's information before actioning a paper rollover request. You can use the MAAS or SuperTICK for TFN validation as the legal requirements of the message are the same in both services.

    If an 'unmatched' response is returned by the service, it means we have been unable to verify the TFN provided with an appropriate level of confidence. You must ask your member for further proof of identity information within five business days. If you have not received a response from your member within 10 business days of making the request, you must make reasonable further enquiries of the member to obtain the information.

    You do not need to re-validate the member's information if you already hold a matched response for that member from either SuperTICK or MAAS.

    See also:

    Transfers to SMSFs

    Super benefits can only be rolled over to a complying SMSF that is regulated. As the transferring fund, you must verify the SMSF and member details using the SVS.

    The SVS will verify the following:

    • SMSF status (Complying or Regulated)
    • the TFN of the individual is associated with the SMSF
    • no verified date of death exists for the individual/SMSF member associated with the SMSF
    • SMSF bank details in the request match those held by the ATO
    • electronic service address (ESA) details in the request match those held by the ATO.

    Information for completing the rollover

    If you are the trustee of the transferring fund you may request further information from the member:

    • to assist with confirming member identity
    • to confirm the destination of the payment
    • if all mandatory information isn't provided to you on the paper form or EPF.

    You must request any further information required within five business days of receiving the request, and then must complete the rollover within three business days of receiving that information.

    Next step:

    See also:

    Last modified: 14 May 2021QC 24751