Anyone working in Australia can open a super account, whether you're employed by a company or self-employed.
When we create your account with ART, it's an Accumulation type of super product. This means it's an account where you accumulate or save money to grow your super.
You'll still need to open an Accumulation account before you can open a Retirement Income account.
You can still open an account but there are a few more rules, depending on how many hours you work. Check out more info about how to apply for super under 18.
It's easy to open an ART super account online – it only takes a few minutes.
Read the Product Disclosure Statement (PDS) to check that our fund and products are right for you.
Sign up online with our quick join form and enter your details. You may need your Tax File Number (TFN) and proof of ID handy.
Create your login for Member Online and the app. We'll verify your details, and set up multi-factor authentication (MFA) so your account remains secure.
When you create a super account with one of Australia's largest super funds, you get all the benefits of a big fund. But you also get peace of mind knowing we work for members, not shareholders. That means our profits go back into a focus on lower fees and better value for you.
9.40% p.a.
Our High Growth option has returned 9.40% p.a. over the 10 years to 30 June 2025. We've outperformed the industry median over 1, 3, 5, 7, and 10 years.1
Past performance is not a reliable indicator of future performance.
Looking for a fund others recommend? We're rated #1 for customer satisfaction according to Finder.
And we won MySuper of the Year at the 2025 Super Review Super Fund of the Year Awards.
Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.
Once you've created a superannuation account, there are a few things you'll want to do:
If you’d like to start growing your super with us, simply download this form, fill it in and give it to your employer.
Changing jobs
If you have more than one super account, combining them could save you money and make life easier.
Just think about whether it’s right for you. You could lose access to benefits such as insurance or pension options, and you need to consider tax implications.
Combine your super
Any extra contributions you make now could add up over time to grow your super balance.
Set up a one-time payment or regular direct debits from Member Online or our app.
Add to your super
Now your super's working hard, you can track it anytime, anywhere, through the ART app. It's simple and secure, and available on most Apple and Android devices.
The best super fund for you depends on what you need. The best-performing super funds will offer performance, investment options, insurance, financial advice, and a focus on lower fees to help you make the most of your super.
Our 2.4 million members choose us to grow their super because they know we put them first in everything we offer.
You can definitely still open a super account after turning 65. You 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.
If you're ready to retire, you may want to think about our Retirement Income accounts. But keep in mind you'll need to sign up for an Accumulation account before opening a Retirement Income account.
You might want to get financial advice about what's right for you when opening a super account after 65. When you're a member with us, financial advice about your ART account is included with your membership.2
If you're under 18: your employer only pays super if you're working more than 30 hours a week. But you can still open an account with us.
If you're 15 or over: you can open an account with us using the online join form.
If you're under 15: you'll need a parent or guardian to download and fill out the application form in our PDS. Then upload the completed form and documents on our Email Us page.
Check out more info about how to apply for super under 18.
All Australian workers can join a super fund and open an account if they're an employee or they're self-employed. 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.
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 join ART.
Sunsuper merged with QSuper in February 2022 to become one super fund, called Australian Retirement Trust (or ART for short). We're one of Australia's largest super funds, taking care of over $330 billion in retirement savings for 2.4 million members. So while you can't open a Sunsuper account anymore, you can still open an ART account.
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:
Compare the benefits you can get with us.
There's more than 2.4 million Aussies growing their super with ART. And you can too! Take control of your future today.
1. Past performance is not a reliable indicator of future performance.
Source: SuperRatings Fund Crediting Rate Survey - SR50 - Growth (77-90) Index and Growth (77-90) category, 30 June 2025.
Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees.
The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary.
The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date.
2. Representatives of ART Financial Advice Pty Ltd (ABN 50 087 154 818 AFSL 227867) give financial advice. ART Financial Advice Pty Ltd is responsible for the advice it gives and is a separate legal entity. Read the Financial Services Guide for more information.
