What is lost and unclaimed super?
If you've ever changed jobs, moved house, or changed your name, you might be missing some superannuation.
Lost super
This means your super fund hasn’t been able to contact you or your account is inactive. So, they had to report it the Australian Taxation Office (ATO).
Unclaimed super
This means your fund has sent your super to the ATO. It could be for a few reasons, including:
- You're allowed to take out your super but you haven't yet. And your fund hasn't been able to contact you either.
- You have less than $6,000 in your super and your account is inactive.
Australians have $17.8 billion in lost or unclaimed super
at the ATO's last check in 2024
How do I find my superannuation?
We'll do the hard work for you – simply log in to run a super search, and bring your super together.
If you're not a member with us yet
Open an award-winning Super Savings account so you can transfer your lost super into it. (It takes 3 minutes.)
When you log in for the first time, we'll guide you through the steps to find and combine your super.
Or run a super search in myGov for unclaimed super with the ATO.
If you're an ART member
Log in to Member Online and click on Consolidate super.
Click on Let's find my super.
See if you have any lost super or accounts with other super funds and choose whether to transfer it to your ART account.
Why combine lost super into one account?
Your super is your money. What you do with it now could make a big difference to how and when you retire.
Here are a few key benefits of having only one account.
Simpler fees
Having your super in one account means only one set of fees.
Easier to manage
One place for contributions, paperwork, and investing your super.
Avoid extra insurance costs
If you have insurance on multiple accounts, you could be paying for cover you can't claim.
What to check before you combine super accounts
Will you miss out?
Think about whether it’s right for you. You may lose access to benefits such as insurance or pension options. And you need to consider tax implications.
Let your employer know
Check that your employer is paying super to the right account before you transfer your lost super.
How to prevent missing super in future
Use our 5 tips to help keep track of your super.
Starting a new job
When you start a new job, give your employer your super account details so you know where your super is going.
If you don't let them know, they have to ask the ATO where to pay your super.
Update your details
Whenever you move house or change your phone number/email, update your contact details in your super account.
Combine super accounts
If you combine all your super into one account, you only have one account to keep track of. It's less hassle and probably fewer fees, which means less worry.
Keep your account open
If you don't expect to add or get any more money into your super account, please contact us. If you don’t, we’ll need to send your super to the ATO when your balance falls below $6,000.
Log in regularly
Log in to Member Online or our app regularly to keep your account active.
Who has lost super accounts?
55%
male
39%
female
ATO figures show men have more lost super accounts than women, with 6% unknown.
FAQs about lost super
Advice about your super account is part of your ART membership. If you need help to find your lost super, please contact us.
