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Frequently asked questions

Do you have a question about joining Australian Retirement Trust, your Australian Retirement Trust Super Savings account or your super in general?

Last updated: 21 February 2024

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Joining Australian Retirement Trust

Joining Australian Retirement Trust is easy. It will take around 5 minutes and you'll get your membership details right away. Join now.

Anyone can join Australian Retirement Trust. Join today.

There is no cost to join Australian Retirement Trust.

We are committed to returning profits to members as better services and lower fees.

Australian Retirement Trust is a fund that works for members, not shareholders, so we’ll work in members’ best interests and we're committed to returning profits to them as lower fees and better services. Whether our members are starting out their working life, already retired, or somewhere in between, we’ll guide them to help ensure they’re secure, confident and protected. We’ll leverage our size and scale to be a force for good to make our members’ world better, seeking out investments to guard and grow their savings and retirement income.

Join now.

Your Australian Retirement Trust account

You can update your address in Member Online. Simply login, select 'Profile' > 'Personal details & tax file number' and update your details there.

You can update your name or date of birth in Member Online. Simply login, select 'Profile' > 'Personal details & tax file number' and update your details there.

To check your account balance, simply login to Member Online or the Australian Retirement Trust mobile app. Your balance will be displayed on the page following your successful login.

Your Australian Retirement Trust member number will be on most pieces of communication from us - you should check letters, emails and statements.

If you don't know it, we can help you find your member number.

To check your employer is making contributions to Australian Retirement Trust, login to Member Online and check your transaction history.

Please note your employer may make contributions on your behalf on a different schedule to your regular pay. For example, employer contributions might be made monthly or quarterly. It's best you check with your employer if you are unsure.

Online access

If you are already an Australian Retirement Trust member and don't have online access, you can register in 3 simple steps:

  1. Find your account
  2. Receive verification code
  3. Set your password

If you have forgotten your username or password, go to our forgot login details.

You can reset your password here.

ABN: 60 905 115 063

USI: 60 905 115 063 003

Account name: Super Savings

If you have a QSuper account, you will need the QSuper USI.

Combining your super may be easier than you think.

Learn more about finding and combining your super funds.

The Federal Parliament passed legislation which requires that any low balance inactive super accounts be transferred to the Australian Tax Office (ATO). This change aims to prevent members with inactive low account balances from having their super savings eroded by fees.

Accumulation accounts with a balance under $6,000 must generally be transferred to the ATO unless a member in the previous 16 months:

  • received a contribution, rollover or automatic transfer from another fund,
  • made an investment choice,
  • changed their insurance cover,
  • made or amended a binding beneficiary nominations, or
  • provided written notice to the ATO or to Australian Retirement Trust that they do not wish for their Australian Retirement Trust account to be transferred.

One of the ways you can prevent your balance being transferred to the ATO is to consolidate your super funds through Member Online.

The government has introduced a set of new rules on super where you will keep your existing super fund when you change jobs – that is your super account will be ‘stapled’ to you, unless you choose elsewhere. But if you’re starting your first job and you have never had a super account before you will need to choose one, or your employer will create an account for you to a default fund they have chosen.

Please find our Selecting Australian Retirement Trust form. Use this form to take Australian Retirement Trust with you to another job. Just give the form to your employer and ask them to pay your super straight into your existing Australian Retirement Trust account. For more information about changing jobs please visit Changing jobs.

For more information on stapling, visit the ATO’s website and

The best way to ensure that your super and any insurance benefits are paid to who you intend is to nominate a binding beneficiary.

A binding nomination legally ‘binds’ the Australian Retirement Trust Trustee to pay your death benefit to who you nominate. Plus having a valid binding nomination reduces claim processing time.

Learn more.

Deciding to accept transfers is up to each super fund. Currently Australian Retirement Trust does not accept transfers from New Zealand funds.

However, Australian Retirement Trust will transfer your super account to your chosen New Zealand fund provided they will accept the transfer.

  1. Leave your money in super

    You can leave your money in your super account for as long as you want, even after you are allowed to withdraw it.

  2. Receive regular payments

    You can open an Income account by transferring all or some of your money from your super account. You can then set up a regular payment from your Income account into your bank account. You can choose the amount and frequency of this regular payment.

  3. Withdraw as a lump sum

    You can keep all or some of your money in your super account and make lump sum withdrawals into your bank account. You can withdraw as much as you need, whenever you need it.

Learn more.

Many people think they need to withdraw their super as a lump sum at retirement. You don't. In fact, you may be better off leaving it invested so it will continue to receive investment earnings. If you do decide to take a lump sum payment, a minimum amount of $2,000 applies.

  • Pay less tax:

    Any regular income payments or lump sum withdrawals are tax free if you're aged 60 or over. Earnings on your investments are generally tax free*.

  • Replace employment income:

    Your money may last longer if you withdraw it in stages as an income stream, rather than all at once.

  • Invest for your future:

    Your money can be invested according to your timeframe and income needs.

  • Lump sum withdrawal:

    We allow you to make lump sum withdrawals from your Income account when you want to.

Learn more.

If you aren’t ready for retirement but would like to start working less, once you’ve reached your preservation age, an Australian Retirement Trust Transition to retirement Income account can allow you to supplement your income with regular payments from your super savings while you transition to full retirement.

Access your super

Superannuation is designed to help you save for your retirement, so there are rules around when you can access it. Once you've turned 65, or reached your preservation age and retired, you have options for how you can access your super. Withdrawing your super earlier may be possible, but only under special circumstances.

Learn more.

The quickest way for Australian Retirement Trust to receive your request to withdraw is via Member Online. It’s easy and there is no paperwork to upload. To submit a request to withdraw log into Member Online.

Superannuation is designed to help you save for your retirement, so there are rules around when you can access it. Once you've turned 65 or reached your preservation age and retired, it’s generally straight forward to withdraw your super.

Withdrawing your super early may be possible, but only under special circumstances outlined below.

Learn more.

If you’ve entered Australia on an eligible temporary resident visa you may be eligible to withdraw your super as a Departing Australia Superannuation Payment (DASP) once you’ve left Australia. You can apply to claim your account, subject to withholding tax if you:

  • are not a citizen of Australia or New Zealand or a permanent resident of Australia, and
  • have left Australia and your visa has either expired or been cancelled.

Using the Australian Taxation Office's (ATO) online facility is the easiest way to claim your super and there is no fee to have your immigration status verified.

Learn more.

Contributions and tax

Making additional contributions to your super account can make a significant difference to your financial future. The earnings paid on earnings can cause a ripple effect that gets your balance expanding over time. And you may also be able to lower your taxable income.

Learn more.

To obtain your biller code and reference number, please visit (please note BPAY limits may apply).

Salary sacrifice is a simple way you can add to your super and help it grow faster - it also has some great tax benefits.

Ask your employer to arrange to have extra contributions made to your Australian Retirement Trust account via salary sacrifice. They can usually make the arrangement on your behalf. If you aren’t able to salary sacrifice, you can still make before-tax super contributions by making voluntary contribution from your after-tax pay, and then claiming a tax deduction.

Salary sacrifice is a simple way you can add to your super and help it grow faster - it also has some great tax benefits.

Salary sacrifice contributions are before tax payments you set up through an agreement with your employer. The super contributions you make before tax (concessional) are taxed at 15%.

Before you commit to salary sacrifice, you can see how it could work for you, by using our contributions calculator.

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We're here to help

We can help you get the future you want by making the right choices today.

Contact us

* Taxes may be payable in foreign countries in respect of income derived from non-Australian investment earnings, and a penalty tax on notional earnings may apply if you have a high total balance in one or more superannuation retirement pensions.