Combining your super is super simple:
Got more than one super account?
Then you’re probably paying multiple sets of account fees. Combine your super into one account to save on fees and make managing your super simple.
Use our easy-to-use Find and combine tool now. It will even search for any lost super you didn’t know about.
Lost and ATO-held data as at 30 June 2023. Lost and unclaimed super, accessed 23 May 2024.
How do I combine?
Before you combine
Transferring super may close the account you’re transferring benefits from. There are some things to consider before combining super accounts.
- Fees and costs and investment returns — super funds vary in terms of fees, costs and performance. This can affect your super balance at retirement.
- Insurance - combining super into a single account may close your other super accounts. Any insurance you have with those accounts will be cancelled. Contact your other funds to see what cover you have before combining. You may be able to transfer cover. If you want to transfer cover, contact us for more information.
- Tax implications - you can't claim tax deductions or split contributions on the money you transfer between super accounts, after the transfer occurs.
- Investments - all amounts transferred will be automatically invested in your current chosen future transaction investment strategy.
- Let your employer know - tell your employer that you're changing super funds before you combine your super. This will ensure they pay future contributions into the correct account. Future employer contributions will be made to your other fund unless you notify your employer otherwise.
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