Question 1

How do I join Australian Retirement Trust?

Accepted Answer

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

Question 2

Who can join Australian Retirement Trust?

Accepted Answer

Anyone can join Australian Retirement Trust. Learn more on our website.

Question 3

Will it cost anything to join Australian Retirement Trust?

Accepted Answer

There is no cost to join Australian Retirement Trust. As a profit-for-members fund, we don't have shareholders to pay so we exist solely for our members and any profits are returned to members in the form of lower fees and improved products and services.

Question 4

Why join Australian Retirement Trust?

Accepted Answer

Australian Retirement Trust is a profit-for-members fund, solely focused on helping our members achieve their best retirement outcome. We do this by earning strong, long-term investment returns and charging lower fees. As we don't pay any shareholder dividends, our profits are reinvested to improve the products and services we offer our members to help them achieve and live their retirement dreams.

Question 5

How do I change my address with Australian Retirement Trust?

Accepted Answer

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

Question 6

How do I update my name or date of birth with Australian Retirement Trust?

Accepted Answer

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.

Question 7

How do I find out my Australian Retirement Trust account balance?

Accepted Answer

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.

Question 8

How do I find my Australian Retirement Trust member number?

Accepted Answer

Your Australian Retirement Trust member number will be on most pieces of communication from us - you should check letters, emails and statements. If we have your email address or mobile phone number on file, you can use our online tool to find your member number.

Question 9

How will I know my employer is making contributions into my Australian Retirement Trust account?

Accepted Answer

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.

Question 10

How do I access my Australian Retirement Trust account online?

Accepted Answer

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

Question 11

What if I forget my Australian Retirement Trust username or password?

Accepted Answer

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

Question 12

I have forgotten my Australian Retirement Trust password. How do I reset?

Accepted Answer

You can reset your password on the Member Online login page. Underneath the login fields, select 'Forgot Password'.

Question 13

What are Australian Retirement Trust's ABN, USI or SFN numbers?

Accepted Answer

ABN, USI, SFN.

Question 14

How do I change my address?

Accepted Answer

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

Question 15

How do I combine my super from other funds into my ART account?

Accepted Answer

Combining your super is easier than you think. Learn more about finding and combining your super funds on our website.

Question 16

When would my super be transferred to the ATO?

Accepted Answer

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

Question 17

Can I take ART with me when I change jobs?

Accepted Answer

Usually you can decide where your super goes. But if you don't make a choice, your employer will. This may leave you with multiple funds, paying multiple set of fees and insurance premiums. Please search for 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 our 'changing jobs' page.

Question 18

How do I update my beneficiaries?

Accepted Answer

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 &lsquo;binds&rsquo; the Australian Retirement Trust Trustee to pay your death benefit to who you nominate. Plus having a valid binding nomination reduces claim processing time.

Question 19

Can I transfer my Kiwisaver to Australian Retirement Trust?

Accepted Answer

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.

Question 20

I am ready to retire. What options does Australian Retirement Trust offer?

Accepted Answer

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

Question 21

I am retiring soon - how do I get my super out?

Accepted Answer

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. Read about how the 10/30/60 Revelation could help maximise super earnings right through retirement on our website. If you do decide to take a lump sum payment, a minimum amount of $2,000 applies.

Question 22

What are the benefits of starting an Australian Retirement Trust Income account?

Accepted Answer

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.

Question 23

What is a 'Transition to retirement' account?

Accepted Answer

If you aren&rsquo;t ready for retirement but would like to start working less, once you&rsquo;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.

Question 24

When can I access my super?

Accepted Answer

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.

Question 25

How do I withdraw my super?

Accepted Answer

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

Question 26

Can I access my super early?

Accepted Answer

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&rsquo;s generally straight forward to withdraw your super. Withdrawing your super early may be possible, but only under special circumstances.

Question 27

I have left Australia permanently. How do I access my super?

Accepted Answer

If you&rsquo;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&rsquo;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.

Question 28

How do I put extra money into my super?

Accepted Answer

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.

Question 29

What are the BPAY details for depositing money into my account?

Accepted Answer

To obtain your biller code and reference number, please visit australianretirementtrust.com.au/bpay (please note BPAY limits may apply).

Question 30

How do I salary sacrifice?

Accepted Answer

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&rsquo;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. Please note, If you are aged between 67 and 74, you need to complete a work test declaration (this can be completed in Member Online).

Question 31

How do I make voluntary contributions?

Accepted Answer

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 the Australian Retirement Trust contributions calculator.

Frequently asked questions

On this page

Joining Australian Retirement Trust

Your Australian Retirement Trust account

Online access

Super related

Retirement related

Access your super

Contributions and tax

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