Join Australian Retirement Trust for under 15s
If you’re starting out at your first job and will be working more than 30 hours a week, it's likely you’ll need a superannuation account.
Joining Australian Retirement Trust is a little different if you're under 15. You'll need a parent or legal guardian to authorise your membership application.
Here’s what you need to do
Over 15? You can join online instead in just 5 mins.
- Download and read our Super Savings Product Disclosure Statement (PDS) for Accumulation Account.
- Print and fill out the membership application form, which can be found at the back of the PDS and have a parent or legal guardian sign using a pen on the last page.
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Upload your completed and signed membership application form along with proof of parent or legal guardianship documentation on our Email Us page.
- Select ‘Member’
- Under ‘I’m looking for help with’ select ‘Upload other document or form’
- Leave member number blank
- Click 'Submit form'
- You're done! In 7-10 business days you will receive a membership number and a welcome pack in the mail.
Mailing your application: We highly encourage digital submission of the form, but if you have no other option you are able to post your completed application with proof of parent or guardianship to Australian Retirement Trust, GPO Box 2924, Brisbane QLD 4001
While you’re here, learn some basics.
Retirement may be a long way off, but a bit of work now can pay off big later. Make sure to learn more about super and what you should be doing right now.
What is a PDS? Why do I need to read it?
PDS stands for Product Disclosure Statement. A PDS provides a summary of information you should consider before making a decision to purchase a financial product such as superannuation. It contains information about key features, benefits and risks, fees and charges, investments and insurance as well as member services.

Your super, your choice.
Usually you have a choice when it comes to selecting a super fund. You don’t have to use the preferred super fund of your employer.
Download the Selecting Australian Retirement Trust Form and hand it into your employer.

Download the Australian Retirement Trust app
Managing your future money has never been easier. Head to the App Store or Google Play to download the Australian Retirement Trust app.
- Get notified when you have been paid a super contribution
- Keep track of your balance
- Quickly find your membership details