Combine your super

If you've changed jobs a few times or regularly work on short projects, you may have accumulated multiple super accounts over the years. You may have lost track of some accounts or you may have had super contributions made that you didn't even know about.

Why should I combine my super?

Multiple super accounts equal multiple super fees, and many have automatic insurance arrangements and premiums. Finding your lost super and combining your super accounts can add thousands of dollars to your final super balance.

Help me find my super?

Combine online or over the phone*

Just log in to your account, register your Tax File Number and perform a Find My Super search to locate other accounts you may have lost. This is a free, no obligation search function for lost and unclaimed super accounts. 

You can easily consolidate your funds* – the search takes less than two minutes and you will generally receive your money in your account within three business days.  

If you prefer to do things over the phone, we also offer a phone based service. Please call our Super Helpline on 1800 640 886 and one of our friendly staff will be ready to assist.

Alternatively, you can print and complete a Combine and Save (Rollover) form for each account that you wish to roll in, and mail it back to us. 

What do I need to consider?

Before combining accounts always compare the fees, investment options and insurance of the various super funds to ensure you are aware of penalties such as exit fees and loss of benefits that may apply.

need help?

Our Business Development Managers are also available to help you find and combine your super. They can assist you with locating your other super if you’re not sure where it is and can walk you through using your account to combine all your super.

Find a Business Development Manager in your area.

*Before making a decision to combine your superannuation, you should consider any penalties such as exit fees, change to insurance cover or loss of benefits that may apply and, if necessary, consult a qualified financial adviser.