The benefits of consolidating your super

Do you have more than one super fund?

More than $11 billion sits with the Australian Taxation Office (ATO) in unclaimed super. If you have more than one super fund, there’s a chance some could be yours.

Finding your lost super is easy

You can manage your super through myGov by registering for the ATO's online service. This will allow you to:

• see details of all your super accounts, including lost or unclaimed amounts held by the ATO
• consolidate your super into a single fund

Please see the ATO website for more information.

What to consider first

While transferring your super may reduce ongoing fees, paperwork, and the need to keep track of different fund, but there are some things you should check before you make any decisions.

1. What fees you’re paying. Some funds charge a fixed monthly admin fee, while others charge a percentage of your super balance.
2. Whether you have any insurance – such as life or income protection insurance. Will you have enough cover for your needs?
3. The investment options available, and performance of your funds.
4. Any exit fees you may have to pay.

If you need help to decide the best option for your personal goals and finances, think about seeking financial advice.

How to transfer super from another fund into your account

To transfer money into your account with us, you’ll need to be a contributing customer. Find your scheme below with information about how to transfer super into your account.

• Use the ‘Consolidate’ feature in CSC Navigator or our Superfinder tool.
• Complete our Transfer your super to ADF Super form
• Log into your MyGov account and use the ATO online services portal (you’ll need to make sure the ATO is linked to your account) to request a transfer.