Unfortunately, it’s pretty easy to lose track of your super.

It’s mandatory for your other super funds to report your super as ‘lost’ if just two pieces of mail sent to you are returned, and they haven’t received money from you in the last twelve months.

Where is my lost super?

If your other fund can't contact you, it hasn't received a contribution to your account in the last twelve months, and your balance is less than $6,000, it must transfer your super to the ATO.

The ATO might also be holding super that your employer, fund or the Government haven't been able to allocate to you, such as a co-contribution payment or employer contributions.

Some funds send super for inactive members to an eligible rollover fund. This fund holds the money on behalf of the member until it's claimed, but in some instances they too must transfer it to the ATO.

Why should I bother claiming my lost super?

When it’s held by the ATO, your money isn’t being invested for growth.

The ATO pays a small interest rate (equivalent to the Consumer Price Index or CPI) on superannuation money they hold. This is intended to protect the value of your money from inflation rather than generate investment returns for you.

With CPI around 2% and the average balanced superannuation return closer to 7%, you could be shortchanging yourself by hundreds—if not thousands—of dollars every year.

How do I claim my lost super?

Claiming your lost super and combining it with us makes it easier for you to manage your account, set a clear investment strategy and keep track of your super in the future—not to mention save more for your retirement if you’re currently paying duplicate fees.

When you give us the ok to find your super, we use your Tax File Number to find your other super (including lost, unclaimed and other super). We’ll let you know what we find, and you can decide what you’d like to do next.

Find my super