Consolidate your super

Fewer accounts could mean fewer super fees

If you’ve ever changed your name, address or job, chances are you may have more than one superannuation account. This means you may also be paying more than one set of admin fees.

By consolidating your super, or putting it all into one super fund, you’ll only be paying a single set of admin fees. Plus, your super will be easier to manage. 

How to consolidate your super

If you know the details of your other fund(s)

If you have made the decision to consolidate your super into your AustralianSuper account, you can do this quickly and easily online. Bear in mind that you’ll need to have provided us with your Tax File Number (TFN).

Another way to consolidate your super with us is to download and complete this Combine your super form and email it back to us.

If you don’t know the details of your other fund(s) 

If you don’t know your other fund details or think you may have lost super with the Australian Taxation Office, you can use the online consolidation tool.

To use this tool, you’ll need:

  • your login details,
  • 2 forms of identification and
  • to have provided us with your TFN1.

You can find out more about the online consolidation tool at

Before you consolidate

Before consolidating your super it’s important to consider: 

  • any potential fees and costs from your other fund(s), and other potential effects consolidation may have on your super or associated benefits;
  • advising your employer – if you’re working;
  • you may lose any insurance you have with other super funds, if you close those accounts without transferring your cover;
  • whether you intend to claim a tax deduction for personal contributions.

We recommend seeking financial advice before consolidating.

Fees and costs

Before deciding to consolidate your super, it’s important to ask your other super provider(s) about any fees or costs that may apply. You’ll also want to find out about any particular impacts on the benefits that may be associated with your super, such as your insurance.

Advising your employer

If you’re working, you can advise your employer that you’re going to consolidate your super with us, to have your employer contributions paid to AustralianSuper, before you start the consolidation process. Your employer may take up to 2 months to start making contributions to your newly consolidated account. 

You can let your employer know by handing them a completed Pay my super into AustralianSuper form. 


It’s important to realise that consolidating all your super into your AustralianSuper account won’t automatically transfer any insurance you may have with your other super fund(s)– or your insurance company if you have one. You’ll lose your insurance cover with your other super fund(s) if you close those account(s) without transferring your cover.

If you’re not sure whether you have insurance with another super fund or insurer, you can find out by using the online consolidation tool. Check which insurance cover is right for you before you consolidate.

If you want to transfer your insurance cover to AustralianSuper, you’ll need to wait until you’ve received written confirmation that this request has been accepted before you go ahead and consolidate your super.

How to transfer your insurance 

You can apply to transfer your insurance cover from another super fund or your insurer by logging into your account online and selecting My insurance, or by completing this Insurance transfer form.

For more information about transferring your insurance, read the Applying for an insurance transfer fact sheet.

Personal contributions

Are you currently making personal super contributions to another super fund(s)? If you intend to claim a tax deduction for this, you must lodge a Notice of intent to claim a tax deduction for personal contributions form with that fund before you consolidate your super with us.

What happens next?

Once we’ve received your request to consolidate your super, we’ll contact your other super fund(s) to have them rollover your super to us.

Once the request and all required information has been provided to your other super fund(s) the standard processing time for your other fund(s) to process a rollover is 3 business days. We’ll advise you when the process has been completed.

Keeping track

You can easily keep track of your super, including any new funds that may have come in, by logging into your account online any time. 

1. You can check if we have your TFN by logging into your account and selecting My details.

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