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How to consolidate your super

If you’ve ever changed jobs, your address or your name, chances are you could have multiple super accounts. Having super in multiple accounts could make it hard to stay on top of your super, and mean you may also be paying unnecessary fees. Below we’ll explore what it means to consolidate your super, why you should consider it, and how to go about it.

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3 minute read

Key takeaways:

  • If you have ever changed jobs, your address or your name, you could have lost super or multiple super accounts
  • Consolidating your super can be a smart way to help you stay on top of your super and ensure you aren’t paying multiple unnecessary fees
  • There are three simple ways to search for lost super and get the ball rolling.

What is super consolidation?

Consolidating super is a term used to describe combining or rolling all of your super funds together into one account.

Why should I consider consolidating my super?

There are plenty of benefits to consolidating superannuation, including:

  • You might be reunited with super accounts you’ve lost track of
  • Combining multiple super accounts can be an important step in taking charge of your future so you can grow your long-term super savings
  • You might save on paying multiple, unnecessary fees with fewer accounts

Before consolidating, consider the potential loss of insurance and other benefits with closing one or more of your super accounts. Also, consider which account your employer super contributions are being paid into.

How can I search for lost super or find my multiple accounts?

The good news is searching for any super you may have lost track of is simple. And once you’ve tracked it down, you can decide whether to consolidate it into one account. There are a few ways that you can search for your super accounts, including:

  • Online using myGov
  • By phoning the Australian Taxation Office’s (ATO) Lost Super Search Line on 13 28 65
  • By completing a paper form through the ATO
  • If you’re a Sunsuper member you can find lost super using Member Online

Find out more about lost super.

How can I consolidate my super?

So, you’ve found your other super accounts and now you’re ready to consolidate into a single account. Consolidating your super is easy. Once you’ve decided which account you’re going to roll your funds into, you can consolidate easily online via the ATO website with the following steps:

  • Go to the myGov website
  • Log in or create an account
  • Link your myGov account to the ATO
  • Select ‘Super’ and then ‘Manage’
  • Select ‘Transfer super’ - this option will only appear if you have more than one super account.

You can also transfer your super balance to a new fund by contacting the new fund directly or using an ATO rollover form.

For Sunsuper members - use Member Online

When using Member Online, there are just five simple steps to combine your super:

  1. Login to Member Online
  2. Have your mobile ready - we'll send you a verification code
  3. Instantly search for your lost and other super
  4. Select the funds to combine
  5. Confirm - congratulations! You may be closer to maximising your super

By providing your own fund details

If you already know the details of your other super funds and want to consolidate them into Sunsuper, you can easily do that too. You’ll just need your TFN, and the member number and Unique Superannuation Identifier (USI) number for each of your other funds. The USI number is typically located on a super fund’s website under the FAQ or contact us sections, and is also available on the ATO’s USI and SPIN Lookup Table.

By completing a paper form

If you prefer the old-fashioned way, you can download and fill out a paper form from our website and simply return it by post or email. As well as filling out your contact details, you will need your tax file number (TFN) and the details from your other fund including fund name, member number and USI.

For more information, you can view our consolidating your super page on our website.


Before joining Sunsuper, consider the potential loss of insurance and other benefits that you may have in your other funds. 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 before deciding whether to acquire, or continue to hold the product. For more information or financial advice from Sunsuper, call us on 13 11 84.

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