Main region

Open a super account

You'll be amazed how easy it is to set up your new account

Open a super account

You'll be amazed how easy it is to set up your new account

So you need to open a superannuation account. Don't worry, it takes less than 5 minutes, and you can do it all online. Follow the steps below and we'll guide you through the process.

How to join a super fund and open your account

There are just a few steps to opening your Super Savings account with Australian Retirement Trust. It starts off as an Accumulation type of super account, which is where your super goes before you retire.

Follow these easy steps

  • number 1 icon

    Read the PDS to check it's right for you.

  • number 2 icon

    Go to the join page.

  • number 3 icon

    Submit your details.

  • number 4 icon

    Create your login for Member Online and the app.

Congratulations! You've opened your account, and your welcome pack is now on its way to you.

Why open a super account with us?

When you're with one of Australia's largest super funds, you get all the benefits of a big fund, plus the caring heart that comes with being profit-for-members.

Focused on strong performance

Your super is the investment of a lifetime, so it's important to open a super account with strong long-term performance.


Returns over 10 years1

Our Super Savings Balanced option has returned 8.4% p.a. over the 10 years to 30 June 2023, outperforming the comparative industry median over 1, 3, 5, 7, 10, 15, and even 20 years.

Committed to low fees

Keeping fees low makes a big difference to the value for money a super fund can give you. The less you pay in fees on your super account, the more you could have to live your best retirement.


plus 0.10% p.a. plus 0.07%

Weekly admin fee

We're committed to returning profits to members as lower fees and better services. Our admin fee is now $1.20 per week + 0.10% p.a., and 0.07% p.a. from general reserves.

Frequently asked questions (FAQs)

The best super fund for you depends on what you need. The best-performing super funds will offer the performance, fees, investment options, insurance, and financial advice to help you make the most of your super.

Our 2 million members choose us to grow their super because they know we put them first in everything we offer.

The right super fund for you depends on what you need, but there are a few things you should look for in a super fund. It’s important to check:

  • Fees
  • Performance
  • Investment options
  • Pension options
  • Insurance (if you need it)

Compare the benefits you can get with Australian Retirement Trust.

You can definitely still open a super account after turning 65, and you can both add money to it yourself or have your employer pay super into it. The rules for what you can do with your super account change at different ages. At 75, you stop being able to add extra money to your super yourself.

You might want to get financial advice about what's right for you when opening a super account after 65. When you're with Australian Retirement Trust, the cost of financial advice about your account is included with your membership.

All Australian workers can join a super fund and open an account if they're an employee. And most contractors and temporary residents on a work visa should also get super.

Most people open a super account when they begin work and their employer starts paying super for them. (Although if you're under 18, your employer only pays super if you're working more than 30 hours a week.)

Some super funds only let you open an account if you're working in a particular industry or for a certain employer. But we're not like that – anyone can open an account with Australian Retirement Trust.

There are 3 things you'll want to do after your super account is all set up:

Then you can sit back and relax, knowing you've done everything you need to, and your super is in good hands. Well done!


1 In 2022-23, our Super Savings Balanced option returned 10% for Accumulation accounts, 9.9% for the Lifecycle option's Balanced Pool, and 11.1% for Income accounts. Over 10 years, it returned 8.4% p.a. (Accumulation) and 9.3% (Income). The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 30 June 2023. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.