Frequently asked questions

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.

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.

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.

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 australianretirementtrust.com.au/stapling.

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.

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.

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.

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 australianretirementtrust.com.au/bpay (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.