Consolidate your super

By putting your super all into one fund, you’ll pay only one set of admin fees. Plus, your super will be easier to manage.

Why consolidate your super?

If you’ve ever changed jobs , your name or even your address, you may have more than one super account.

This means you may be paying more than one set of admin fees, or even multiple insurance premiums.

Consolidating your super can help reduce fees and costs and make it easy to manage a single account.

Things to know before consolidating

Before consolidating your super it’s important to consider:

  • Fees and costs – ask your other super fund(s) about any fees or costs that may apply, and other potential effects consolidation may have on your super or associated benefits.
  • Insurance – consolidating your super into one fund doesn’t automatically transfer any insurance cover you have with your other super fund(s). If you want to transfer insurance cover to AustralianSuper, you’ll need to apply to transfer insurance and wait until you’ve received written confirmation that your transfer request has been accepted and your cover has started, before you consolidate your super.
  • 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 starting the consolidation process. You can let your employer know by handing them a completed Pay my super into AustralianSuper form.
  • Personal contributions – if you're currently making personal contributions to another fund(s), and you intend to claim a tax deduction for this, you'll need to lodge a Notice of intent to claim form with that fund, and receive confirmation it’s been processed, before consolidating your super.

We recommend seeking financial advice before consolidating.

How to 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.

Consolidating from overseas funds

Unfortunately, AustralianSuper cannot accept consolidations from overseas pension funds such as KiwiSaver or the UK pension. We also can’t accept rollovers from other Australian super funds into which you have previously transferred a KiwiSaver or UK pension (QROPS) amount.

Why consolidate with us

History of strong long-term performance

Our flagship Balanced Investment option has delivered an average annual return of 8.54% over the last 10 years to 30 September 20251.

Our investment performance

Low admin fees

As Australia’s largest super fund2, we use our size and scale to help keep admin fees low3. Super accounts are currently charged $1 per week plus 0.10% p.a. of your account balance (capped at $350 p.a.).

View our fees

Investing globally for members

Our size means we’ve been ranked among the top 20 largest pension funds globally4.

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What’s 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 your other fund has received the required information and the redemption of your investments are finalised, the rollover generally takes 3 business days. We'll advise you once we've received and processed your super to your AustralianSuper account (within 3 business days).

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