Main region

Australians have $17.8 billion in lost super held by the ATO and other super funds.1

Artie with palm up

Could some of it be yours?

When you combine your super, we'll find any money you have with other super funds, plus any lost super held by the ATO, and roll it all into the one account.

Ready to combine your super?

Here's how to bring all your super together in 2 easy steps.

1

Join Australian Retirement Trust

Canstar's given us 5 stars for our strong investment returns and competitive fees.2

2

Log in to your account and combine your super

Set up online access and log in to Member Online or the ART app to find and combine your super.

Already a member? Log in

Is combining your super with ART right for you?

The benefits of combining
  • Having one super account could save you paying multiple sets of fees. This could mean you retire with more.

  • You could find money you've lost track of!

  • It's easier to manage (and grow) your super when it's all in one place.

Combining super vs multiple super accounts thumbnail

Watch: Combining super vs multiple accounts

If you've got multiple accounts, it can make sense to combine super to avoid extra fees.

Why combine with us

bar graph with upward trend icon
Strong performance

Join a fund with strong, long-term returns of 8.79% p.a.^ over the 10 years to 31 March 2025.3

^Past performance is not a reliable indicator of future performance.

percentage symbol within pie graph icon
Focus on lower fees

We're focused on lower fees. Our admin fee is $1.20 per week + 0.10% p.a. on the first $500,000 of your balance. Other admin fees may apply but they aren't charged to your account.

group of people icon
A super fund you can trust

We're one of Australia's largest super funds. You'll join 2.4 million members who trust us to manage their super.

Tip: make sure your employer knows to pay your super contributions into your new account.


Illustration of a person in the kitchen

Before you combine your super, think about:

umbrella icon
Insurance

You'll need to consider what insurance cover you currently have with your existing fund/s, and understand what impacts there could be to your benefits before you consolidate your super with us.

And make sure you organise your insurance cover through us before you cancel any insurance you have with other fund/s.

clock icon
Timing

Consider whether you might be combining your super at a time that locks in an investment loss in your old fund.

document icon with the word tax
Tax

If you've made after-tax contributions with other super funds and intend to claim a tax deduction, you'll need to sort out paperwork with them before you close any accounts. There could also be other tax implications that may affect you.

document icon with the word tax
Other impacts

Check if you'll lose access to pensions or other benefits before you consolidate.

You should consider getting qualified financial advice before combining your super.

Ready to join an award-winning fund?

Canstar award logo SuperRatings logo SuperRatings 20 Year Platinum Performance 2025 award logo Chant West Super 2025 winner awar

It's time to feel like a winner with products and services that have been highly rated for many years.

Join us
  1. Australian Taxation Office release titled Total lost (fund-held) and ATO-held super. Dated 17 September 2024 and accessed on 16 October 2024.
  2. Ratings are only one factor for you to think about when deciding to invest. Past performance is not a reliable indicator of future performance.
  3. Past performance is not a reliable indicator of future performance.
    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.

© Australian Retirement Trust. All rights reserved.

Acknowledgement of Country

We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.