19 September, 2022

Your super questions answered - Why does it matter if my super is with a few different super funds?

If you’ve had more than one job, you might have more than one super account.

The problem with multiple super accounts is you pay multiple sets of fees (one set for each account). Over the long term, these fees can add up and can significantly reduce your overall super balance. This means less money for you later. 

Having only one super account also makes managing your super much easier. You only have to go to one spot to check your super balance and manage your investments and insurance. 

Combining your super accounts used to be complicated, but now it’s a lot easier. In fact, it can be done in just minutes.  

To find super you have with other funds or held by the ATO, use our Find and combine tool in Member Online. You can find it under the Contributions tab. 

Before deciding whether to combine your super, there are some important things you need to take into consideration. To learn more, head across to our Combine your super page. 


Advice on Spirit Super is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443) and issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (ABN 14 008 650 628, AFSL 238718), the trustee of Spirit Super (ABN 74 559 365 913). Consider the PDS and TMD at before making a decision. A copy of the Financial services guide for Spirit Super Advice is available at

This article is for general information only and doesn’t take into account your objectives, financial situation or needs. You should assess your financial position, personal objectives and needs before making a decision based on this information.