How to join

It’s easy to join AustralianSuper, open a Choice Income account or a Transition to Retirement (TTR) Income account.

What type of account can we help you join today?

If you’re joining the workforce, changing jobs or switching from another fund, you’ll want to open a superannuation account. If you’re getting ready to retire, a Choice Income account can help make the most of your super after you stop working. And if you’re looking to make a transition from work to retirement, a TTR Income account might be right for you.

Superannuation
Choice Income
TTR Income
Employers

Open a super account

Before you join, be sure to read the PDS and make sure the product is right for you.

1. Start the join form

You can join online and save your progress as you go. If you need to take a break you can resume the process later.

Open a super account

2. Personal details

Have your personal details at the ready such as your email address. Plus, we recommend providing your Tax File Number (TFN) and your employer's ABN - if you’re working. Providing your TFN when joining is optional, however choosing not to means you may be taxed more.

3. Investments

Choose how you’d like your super invested. We offer a range of conservative and aggressive investment options to suit your situation. If you don’t make a choice, your account will be invested in the Balanced option. For a snapshot of the Balanced option’s performance, head to the Our Performance page or our Investment options page.

4. Insurance

Insurance cover is available through your super account. If you’re eligible, we’ll provide you a basic level of cover when you join. And you can request to change your insurance cover through the AustralianSuper mobile app.

5. Beneficiaries

One last thing to consider is nominating a beneficiary. That’s who you’d like to receive your account balance when you die. If you’re not sure who that is or would like more time to research the options available, it’s ok to skip this step for now and nominate someone later.

Once you’ve joined, download the ATO’s Standard choice form, fill it out and give it to your employer.

What to do next

1. Login to your online account

If you haven't logged into your account online or via the app before, you may not be set up for online access. We'll send you your member details so you can register for your online account. If you already have your details, follow the links below to get started.

2. Tell your employer

Let your current or new employer know you’ve chosen us so they can start paying into your AustralianSuper account. You can provide them a copy of the Pay my super into AustralianSuper form or use the AustralianSuper mobile app. You can also complete the Superannuation standard choice form available from the ATO or your employer.

PAY MY SUPER INTO AUSTRALIANSUPER FORM

AUSTRALIANSUPER’S ABN AND OTHER NEED TO KNOW NUMBERS

3. Download our handy app

Stay on top of your super on the go, view your balance and make changes to your account with the AustralianSuper mobile app. It’s the easiest way to manage your super anywhere, anytime.

DOWNLOAD THE MOBILE APP

4. Get your super in one place

Consolidating any existing super accounts into your new account with us could mean paying fewer fees. And that means more money stays in your super balance³. If you have decided to transfer your super into your AustralianSuper account, we've got an easy online tool that can help. Have the details of your other super accounts handy for this step.

How to transfer super to AustralianSuper

AustralianSuper has a total of 3.56 million members and $367.3 billion in member assets as at 31 March 2025.

Source: APRA Quarterly Superannuation Fund-Level Statistics, December 2024. Published 11 March 2025.

Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.

Open a Choice Income account

To open a Choice Income account, you will need to:

Be an Australian citizen/permanent resident, a New Zealand citizen or hold an eligible retirement visa.
Have reached your preservation age and be permanently retired, changed jobs since turning 60, or be over 65 and still working.

Before you start, be sure to read the PDS and make sure the product is right for you.

1. Open an account

You can open a Choice Income account online – and save your progress as you go if you need to take a break and resume the process later.

Open a Choice Income account

2. Personal details

Have your personal details handy including your tax file number and your bank details. We use your driver’s licence, Australian passport or Medicare card – as well as a recent bank statement or bill – to check your identity online.

3. Funding your account

Opening an account means moving at least $50,000 from your super account into your Choice Income account, so have your super account details ready. Just remember, you can’t add more money to Choice Income after you’ve opened your account.

4. Setting up your payments

You can choose how often you’d like your payments and how much. Depending on your age, a minimum annual drawdown amount applies. You can opt for payments fortnightly, monthly, quarterly, or once or twice a year. If you’re not sure, you can choose the Smart Default option which means your payments are preselected, then change them later if you need. More info on the Smart Default option is below.

5. Investments

Choose how you’d like your super invested. We offer a range of conservative and aggressive investment options to suit your situation. For a snapshot of our investment performance head to the Our Performance page. If you’re not sure what type of investment option is right for you, head to our Investment options page for more information. This includes the Smart Default option where your investments are pre-selected.

6. Beneficiaries

We’re here to help

Remember, it’s important to set up your Choice Income account in a way that suits your circumstances. If you have questions or get stuck at any point, expert help is just a click or call away.

Your advice options

Open a TTR Income account

To open a Transition to Retirement (TTR) Income account, you will need to:

Be an Australian citizen/permanent resident, a New Zealand citizen or hold an eligible retirement visa.
Have reached your preservation age.

Before you start, be sure to read the PDS and make sure the product is right for you.

1. Open an account

You can open a TTR Income account online – and save your progress as you go if you need to take a break and resume the process later.

Open a TTR Income account

2. Personal details

3. Funding your account

You’ll start by depositing at least $25,000 from your super account into your TTR Income account – so have your super account details ready. If the existing super account you’re transferring from needs to stay open, check with your super fund about what you need to do.

4. Setting up your payments

There’s a limit to the percentage of your TTR Income account balance you can receive each year – but within that limit you can choose how often you're paid and how much each time. You can opt for payments fortnightly, monthly, quarterly, or once or twice a year. If you’re not sure, you can choose the Smart Default option which means your payments are preselected, then change them later if you need. More info on the Smart Default option is below.

5. Investments

6. Beneficiaries

One last thing to consider is nominating a beneficiary. That’s who you’d like to receive your account balance when you die. If you’re not sure who that is, or would like more time to research the options available, it’s ok to skip this step for now and nominate someone later.

How to join

It’s easy to join AustralianSuper, open a Choice Income account or a Transition to Retirement (TTR) Income account.

What type of account can we help you join today?