If you’ve ever changed jobs, moved house, or changed your name, you might have some lost or unclaimed super.
Lost super
means your super fund had to report to the Australian Taxation Office (ATO) that they haven't been able to contact you or your account is inactive.
Unclaimed super
generally means you're allowed to take out your super but you haven't yet, and your fund hasn't been able to contact you either. They've had to send your super to the ATO.
at ATO's last check in 2022
Log in and search nowWe’ll do the hard work for you – simply log in to run a super search, and bring your super together.
There are many possible benefits to combining all your lost super and money with other super funds into one account:
Having your super in one account means only one set of fees.
One place for contributions, paperwork, and investing your super.
If you have insurance on multiple accounts, you could be paying for cover you can't claim.
After you transfer your lost super to the correct super account, check that your employer is paying super to the correct super account as well.
Before you combine your super accounts, consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are any fee or tax implications.
Your super is your money, so here’s how to make sure you don’t lose it:
When you start a new job, tell your employer your super details so you know where your super is going. If you don't let them know, they have to ask the ATO where to pay your super.
Whenever you move house or change your phone number/email, update your contact details with your super fund.
If you combine all your super into one account, you only have one account to keep track of. It's less hassle and probably fewer fees, which means less worry.
If you don't expect to add or get any more money into your super account, please contact us so we don't automatically transfer your super to the ATO when your balance falls below $6,000.
Log in to Member Online regularly so that your account stays "active" in our systems.
You can also look for money left behind in bank accounts and insurance payouts, with the government’s Unclaimed Money Search.
If you have questions or need any help with finding your super, please get in touch.
Yes, you can find your lost superannuation using your tax file number.
Lost your TFN? Don't worry; you can find it by logging in to myGov and clicking on the ATO.
Then you can search for lost super using the ATO process or by logging in to your ART account.
If you're an ART member, simply log in and click on Consolidate super. Here, you can find all your super funds and accounts at once, and decide what to do with them.
Yes – there's no extra fees to run a super search. We can find any super you have in Australia and bring it together.
We use the ATO's SuperMatch process to do this. So you don't need to sign up for any special company to find your super for free.
Log in now to search for lost super and bring all your super together.
The information contained on this website is general information only and does not take into account your individual objectives, financial circumstances, or needs. You should consider your own objectives, financial circumstances, and needs, before making a decision about the financial product. You should consider the product disclosure statement (PDS) and target market determination before deciding whether to acquire, or continue to hold the product. For more information or financial advice from Australian Retirement Trust, please call us on 13 11 84.